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How to Protect Your Business Against Premise Liability & Injuries: Part 2

posted on October 28, 2015 by SuperUser Account

by Real Estate, Jason Pearson

There are several ways to protect your business from the potential of being financially responsible, should someone get injured on your property.  

One, is to clearly understand the "status" of the person on your property, which was discussed in the previous article on protecting your business against liability claims

Other strategies are outlined below and equally important for protecting your business.

Check Your Insurance Coverage

One way is to look at what insurance coverage you have. Many insurance carriers offer what is referred to as “Med Pay,” which will pay an injured person’s out-of-pocket medical expenses, regardless of whether you are at fault or not. There are several options for the level of med-pay coverage available. Companies like Farm Bureau and Auto-Owners write these kinds of policies and can tailor coverage to fit any size business. 

Inspect & Document Property Conditions

Another way to protect your business is to have a policy in place for inspecting your property for dangerous conditions. A written record of what was inspected and when inspections were done cannot only help you stay organized, but can serve as a helpful document if you are in a situation where you have to defend your actions. 

Having a policy in place for what your employees need to do if someone gets injured is also helpful. An incident report can help your employees ask the right questions, as well as create a record of what exactly happened. An incident report is for your business – you do not have to provide a copy to the injured person. You can also have instructions for your employees on the incident report such as “Photograph the area and the injuries.” 

Implement Proper Signage

Having a conspicuously placed sign is another great way to protect your customers and minimize your liability should someone get hurt. Wet-floor signs are the perfect example, but it doesn’t have to end there. “Watch Your Step” signs (or those like them) can warn customers of tripping hazards or other conditions where someone could be injured. Remember, though, if the condition is open and obvious, you are not responsible if someone gets hurt on the condition. 

If someone has been injured on your property, or you want to get more information about how to protect your business, contact a local business attorney.

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