Falls are the most common liability claim for retail stores. Rainy fall days, holiday crowds and winter weather make the next few months especially risky.
Where falls happen in retail
- Entrances with wet floors and worn mats.
- Aisles cluttered with boxes during restocking.
- Displays that extend into walkways.
- Loose rugs, cords and uneven flooring.
- Parking lots, curbs and sidewalks.
Prevention practices
- Keep aisles clear, especially during restocking and holiday displays.
- Use absorbent entrance mats and replace them when wet.
- Post wet-floor signs immediately and clean spills promptly.
- Secure cords and rugs.
- Inspect floors regularly and keep a log.
When someone falls
Help the customer and call for medical help if needed. Photograph the area, save video, collect witness names and complete an incident report. Don't admit fault or promise payment, and notify your agent promptly.
Coverage
General liability covers customer injuries, and medical payments coverage can pay modest medical bills regardless of fault. Make sure your limits and umbrella are adequate.
Leased space
Check your lease to see who's responsible for common areas, parking and snow removal.
A clean, clear store is safer for customers — and better for business.
This material is for general information only. Coverage depends on the actual policy language, and availability varies by carrier.