As a business owner, it is important to have policies in place to help minimize risks associated with accidents. When a fall occurs, your team should know what to do. While your general liability insurance can cover the costs, you need to cut the losses. What should happen when someone suffers a fall?
First, Educate Your Team on Insurance
Management members of your company should have some information and experience when it comes to business insurance.
They need to understand:
- What type of business insurance the company has (especially general liability insurance)
- Who they need to call when an accident occurs
- What they need to say and do when an incident occurs
It is very important to streamline this process. When an accident happens, your team may have only a few minutes to take the action to minimize losses. There are several things to keep in mind here.
Take Care of the Individual
The primary goal should be to react to the incident. Help the individual who fell. Ensure they get back up. Call for emergency help if necessary. Take steps to protect the individual and reassure them.
Never admit guilt during this process. Statements such as, “I forgot to put a wet floor sign up” are not a good one to make. It is okay to make a statement such as, “I’m sorry this happened to you.”
Document the Area
Once the individual gets care, document what happened. After a fall on your property, consider the following:
- Take pictures of everything as it is. Do not move anything before doing so. You want the insurance agent to see what the area looked like before and after the incident.
- Gather information from the individual. This includes his or her name and contact information. The team should not promise any compensation. Instead, state the company’s insurance company will contact the injured party.
- Contact the insurance company right away. Document the incident thoroughly in writing. File this information with the agent.
In most cases, the liability insurance agent will handle the process from here. This includes speaking to the individual, determining what type of care he or she received, and then paying for any settlements. If it goes to court, the insurer will generally provide legal defense for the company in the matter. Be sure each member of your company’s management has the ability to take these steps if an injury occurs.
Also Read: The Costs Coverage and Discounts of Liability Insurance