Every business has liability risks. These generally include slip and fall risks. If someone falls in your commercial space, they might hold you responsible for the damage. Liability insurance claims might result. Depending on your business, certain fall risks might prove more prevalent. Restaurants are one of these operations.

Commercial insurance coverage can include liability protection for slip and fall risks. Still, you don’t want a claim on your policy. Be a proactive owner and keep your customers safe with the following guidance.

The Prevalence of Fall Risks in Restaurants

Restaurants have a lot of people moving around. People enter and exit, stand and sit. Servers will constantly be on their feet. With such movement comes the risks of slips and falls.

In dining establishments, certain factors might enhance the chances of falls occurring. These might include risks resulting from:

• Spilled food or drinks
• Damaged plumbing or wet floors
• Unstable seating hazards (e.g., broken chairs)
• Frequent foot traffic

If a customer slips and falls due to a puddle in the floor, they might need help with their medical costs. Lawsuits might also result. The restaurant’s liability insurance might help settle the customer's losses. In cases such as these, the type of commercial insurance you need might vary. Some might warrant a liability claim. Talk to your insurers about the ways to insure those under your roof.

Preventing Fall Risks

No one wants a liability or workers’ compensation suit against your restaurant. You should thus work to cut fall risks inside the operation.

• Keep your floors clean. Make sure all walkways remain clear of clutter.
• In cases of leaks, spills or other puddles, clean up immediately. Place wet floor signs in the area. Consider using nonslip rugs in certain areas.
• Inspect your furniture regularly. If any furniture shows signs of damage, remove it.
• Place warning signs near potential fall risks. Put these in bathrooms, near steps and blind corners, or in areas where other fall risks might exist.
• Keep doorways between the kitchen, dining room, bathroom and cash register free of clutter.
• Ensure your staff can carry any loads assigned them.

Most importantly, walk through the restaurant often. If you can spot small problems, you can contain them with minimal interruption. For more risk management guidance and insurance tips, contact us.