Customer personal injury claims can be costly and very damaging to a retail establishment’s reputation. They can be much more frequent than employee claims in some types of stores, especially warehouses that allow customer access. Employee safety programs are not sufficient to protect customers, who are at risk for many more accidents than employees for three primary reasons:
Understand to what extent you are liable for customer injuries on your premises and take steps to prevent injury.
You are required to maintain safe premises for your customers; in legal terms, you have a high duty of care. This includes the duty to warn customers of non-obvious, dangerous conditions that you know about, to use ordinary care in active operations in the business and to make reasonable inspections to discover dangerous conditions and make them safe. Most customer accidents are preventable, so it is important to take steps to make your establishment safer and less exposed to the risk of customer injury and litigation.
Common injuries that could become your liability include the following:
Methods of Prevention
Steps you can take to minimize the risk of a customer claim include the following:
Criminal accident teams can stage injuries, targeting several businesses in the same area. This fraud could cost you millions of dollars in unwarranted payouts. Evaluate this possibility in the event of a customer injury claim, and notify the National Insurance Crime Bureau if you have a suspicion.
Liability insurance addresses the cost of legal damages and claims up to policy limits. Work with Chalmers Insurance Group to design the liability package that fits your business–you will be able to select from a wide range of coverage options that you can tailor for your unique needs.