Supermarket slips and falls

NATIONAL

A grape on the floor, an exploding milk carton after being dropped on the floor or water leaking from the freezer section, are common things you will see daily in your store. Unfortunately, many of these can lead to one of the most common insurance claims we see for supermarkets - the slip and fall. If a customer was to have an incident in your store, the basis of whether the store can be found to be negligent in any way leading to the incident occurring. The payout can be for cost of injuries to the person as well as legal fees and loss of wages. These claims can become quite large depending on the injuries the person sustains. What are the ways that you can look to mitigate the risk of this claim potentially landing on your lap and leading to further issue in the future when placing you Liability insurance?

Some key things to focus on are:

• Cleaning processes need to be a focus particularly if there is a spill, a spill should be cleaned immediately to limit the risk of someone slipping • Documentation of all incidents on site • Staff training on incident lo-g • Look at non-slip flooring in any issue spots • Stairs should have a handrail and reflective tap • CCTV can be great for assisting in this issue as it can clearly document the incident

The focus needs to be minimising your exposure and the chance of you being found negligent. Our Risk Advisers will come to your supermarket and help identify your risk exposures in this space. The team at Adroit Insurance and Risk specialise in the general insurance market but also dealing in the placement of Supermarkets insurance programs. Due to our extensive experience in the industry, we are the appointed broker of the MGA. Speak to one of our Risk Advisers for a Free Health Check and make sure you have the right insurances in place to protect you, your family, and your business. Travis Noffke, Senior Risk Adviser | Adroit Insurance and Risk adroit.com. au Travisn@adroit.com.au M 0419 299

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