Any establishment comes with its fair share of threats. Whether you own a business or insure your home, there’s always a chance that this property poses a safety threat to those who come in and out of your property.
When a guest enters your premises, he or she might get sick or injured. This may be a direct result of that person coming onto your property. Because of those injuries, you may have to compensate that person to help them recover. An injured person may even sue you to get coverage for their medical payments.
That’s why many types of home or business insurance come with a general liability coverage section. General liability insurance can help you in case someone else sustains damages as a result of visiting your property. This coverage may help you compensate an injured party, and cover any legal claims brought against the business.
However, it is your responsibility to keep your property as safe as possible to guests. No one wants to enter any establishment and feel unsafe. Therefore, you should take safety steps before welcoming guests onto your property.
- Make sure that your guests have safe entryways and exits to the property. Pathways should be clear and dry to prevent slips and falls.
- If you’re in a business, follow all rules to notify guests of slip and fall risks. Post signs and warnings in clearly visible areas. In a private residence, close off any dangerous areas. Never forget to let houseguests know about any potential problems. Don’t allow them to venture off alone when they first enter the house.
- Repair any broken flooring, carpets or furniture. Also check your bathrooms for leaks, spills or other potentially dangerous damages
- Secure any animals on the property. Even your family dog could bite a guest in the right circumstances. Pets are a liability risk.
- Keep guests away from dangerous areas like utility rooms, appliances, or exposed electrical outlets.
- Make sure guests know how to operate any recreational or functional equipment in your business or home. If you own a business, you likely have to post instructions near machines that you make available to guests.
- When children are in your home or business, supervise them closely. Don’t let children venture anywhere or use any items without supervision.
- Keep any potentially dangerous items locked away until your guests depart. Only you should have access to locked rooms, safes or other off-limits areas.
By taking steps to secure your property, you can also protect yourself from liability claims. Doing so can help you never have to tap into your general liability insurance. However, there’s no reason not to have this important type of insurance coverage.
Get in touch with Gary Warner Insurance Agency, Inc. for a fast, free Agoura general liability insurance quote. Give us a call at (818) 706-8625 for more information.