Injuries are an unfortunate part of everyday life. Slips, falls and drops are a given when it comes to opening your doors and allowing people into your store. Even though you do your best to make sure the store is as safe as possible, accidents are bound to happen. It’s important to make sure that all employees and managers know what to do in case of an accident.
1. Clear the Area
People tend to crowd around when something out of the ordinary happens. Keep others clear of the area, especially if the cause of the accident (such as a slippery floor) hasn’t been taken care of yet.
2. Seek Medical Assistance Immediately
If the customer is unconscious, it’s best not to move them from the site before medical professionals are present. Employees should be trained to check on the customer, notify a manager and call emergency services. First aid may be permitted for small incidents, but medical professionals should still be contacted.
3. Document Every Aspect of the Accident
Once medical assistance is sought and received, be sure to document the accident for the business’ records. If possible, obtain pictures relating to the incident. It’s also important to obtain firsthand accounts from those who were present at the time of the accident. This will help with filing an insurance claim and if a lawsuit results in the accident.
4. Fix the Problem Area
An accident can identify an area that is unexpectedly dangerous. Once the above steps are completed, be sure to quickly address the problem area to eliminate or lessen the danger. It’s important that no one is allowed in the area until it is fixed.
5. File a General Liability Insurance Claim
When it comes to other people’s injuries, it’s practically always at your best interest to file an insurance claim. In cases like these, general liability insurance can help with the victim’s medical bills as well as help the business with legal fees if a lawsuit arises as a result of the accident. Without compensation, the business could face thousands or even millions of dollars in a combination of medical bills, court fees, defensive costs and more.
Call the business’ insurance provider and give a detailed account of the accident with all of the evidence you collected. An underwriter will then investigate the claim to decide on compensation for the business and the victim.
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