Ensure your business does not stumble trip and fall

5 ways to ensure your business does not stumble trip and fall

Trip and fall, it can all happen so quickly – a customer catches their foot on a chair leg, or slips when coming in from the rain – but your business is left dealing with the legal and financial fallout for months.

Whether you have a restaurant, a shop, an office or work from home – if a customer is on your premises, generally you’re responsible for their safety.

A trip here or a fall there could mean a claim is headed your way. Here are five steps to minimise the impact it can have on your business.

1. Make your site safe

SafeWork Australia and all of the state and territory authorities have reams of information and guidance on identifying hazards, as well as assessing and controlling risk.

But the unfortunate reality is that insurance claims relating to slips and trips are still very common, says Steadfast Broker Technical Manager Michael White.

“Every business has an exposure to them, even home businesses,” he says.

“But obviously some businesses have a greater exposure than others – shopping centres, hotels or anywhere else there's a lot of people going through, and any business where there are food stuffs that might be spilled on the floor.”

2. Record your actions

Whether you take steps to eliminate a hazard, isolate it, or put engineering or administrative controls in place, record what you've done to prevent a slip or trip occurring. This should include keeping regular cleaning logs.

“The trouble with a lot of slip and trip insurance claims is that if somebody says 'I fell over on a piece of banana skin that somebody dropped on the floor', there is generally no record of the banana skin actually existing,” White says.

“Which means there is no record that the banana skin hadn’t been sitting on the floor for a week. So your records should be able to prove you have a strict regime in place to manage risks.”

3. Approach the potential claimant

If someone does take a fall on your premises and is not seriously injured, it can pay to be proactive.

“A lot of businesses will speak to a potential claimant who’s had a minor incident and say 'we will pay your medical expenses' or 'we'll give you a $100 gift voucher', or take some other step to assuage their feelings,” White says.

4. Record the incident

You may be legally required to record and report an incident on your premises. To find out what your obligations are, consult your local workplace health and safety authority.

Regardless of your legal obligations, it's wise to keep your own records of any incident. At a minimum, include the name, address and age of the injured person, as well as the time, date, nature and cause of the injury.

5. Insure against costs

The reality is, slips and trips are common and the consequences can be significant.

“There are two issues – there's the compensation and the legal costs of defence,” White says.
“And there can be a very large amount of money involved in both.”

Having an appropriate public liability insurance policy in place can help your business meet these costs.

Source: Steadfast Well Covered

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At Publicliabilitycomparison.com.au we quote broadform liability cover, this covers your business against claims for personal injury to another person (other than employees) or damage to property owned or controlled by someone else, or advertising liability. Property damage, personal injury or advertising liability which gives rise to legal liability must happen during the period of insurance and be caused by an occurrence in connection with your business activities, Broadform also cover product liability.

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Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

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Insurance Premiums What Does My State Have to Do With

State Differences in Insurance Premiums

When arranging public liability insurance,  one of the questions you may be asked is, in which states do you derive your income? Or you may have seen stamp duty as part of insurance premiums.

What does this have to do with your insurance premiums?

Each state government in Australia has a different stamp duty, so your insurance company must calculate the stamp duty on your insurance premium based on where that income is derived.

Read More STATES URGED TO TAKE STAMP DUTY OFF THE FISCAL ENVELOPE TO MEET REVENUE CHALLENGE

Other things that may affect your insurance public liability insurance premiums;

  • Claims History
  • Years Experience
  • Number of employees
  • Annual income
  • Occupational risk

 

If you are still unsure, talk to our team on 1300 046 787, to discuss your requirement.

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Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

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Is Public Liability Insurance Compulsory in Australia?

Is Public Liability Insurance Compulsory in Australia?

Public Liability Insurance is not required by law

Public Liability Insurance is not required by law in Australia, however, the Australian Government through www.business.gov.au explain "If you own a business, you may be liable for damages or injuries to another person or property. Though liability insurance is optional in most cases, it is strongly recommended for businesses in all industries as the likelihood of being sued is unpredictable and potentially very costly. Public liability insurance protects you and your business against the financial risk of being found liable for negligence. Negligence is causing reasonably foreseeable harm".

It may be compulsory for your occupations license

Public Liability Insurance may be compulsory for your occupations license, such as builders, plumbers and electricians in some states, check with your industries licencing authority in your state.

It may be required to enter a work site or third party premises

You may be asked to show a Public Liability Insurance policy before entering a work site or third party premises including offices. Federal and State government departments,  local governments and a hospital will almost certainly request proof of insurance prior to work commencing, and that will not be restricted to trades it can also include consultants and visiting professionals.

If you need more information about your Public Liability needs, call the team.

 

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Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on the inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation, and needs

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Please note that any advice given has been provided without taking into account your objectives, financial situation or needs. It is also based on information we have obtained from you. You must ensure the information is accurate and complete. Otherwise, this advice may be based on inaccurate or incomplete information. You should consider whether the advice is appropriate in light of your objectives, financial situation and needs