Injuries within your restaurant can significantly increase the cost of Restaurant Insurance and other costs, damage your restaurant’s reputation, lower productivity, and more. Therefore, understanding and minimizing the risk of injuries is crucial to business success. One of the most significant risks restaurants encounter is falls.
According to ISSA, “More than 3 million food service employees and over 1 million guests are injured annually as a result of restaurant slips and falls.” They also report that “slips and falls are the greatest source of general liability insurance claims within the restaurant industry.”
You may not be able to avoid all slips and falls in your restaurant, but there are steps you can take to minimize the risk.
- Install high-traction, slip-resistant flooring. You can confirm slip resistance with a coefficient of friction (COF) audit.
- Immediately clean up spills, pick items off the floor, and keep walkways clear of clutter.
- Use maintenance and floor cleaning products with slip-resistant characteristics compatible with your flooring surfaces. Check out the National Floor Safety Institute (NFSI).
- Pay special attention to permanently installed features, such as carpets and mats. They need to be properly maintained and cleaned to avoid trip hazards. NFSI-certified mats are an excellent investment.
- Conduct and document regular hazard inspections. Regularly walk around your restaurant looking for hazards, such as wet floors, uneven surfaces, and blocked or dimly lit areas. Document the hazard, when it appeared, and what you did to eliminate it. Documenting this information helps provide proof that you are serious about maintaining your property and keeping it safe for employees and customers.
- If you discover a hazard that can’t be fixed immediately, alert employees and visitors to the danger with warning signs.
- Install a surveillance system to monitor for situations that may pose a risk. Cameras can also record accidents to help expedite the resolution of any claims and minimize the risk of false claims.
- Train employees on established safety procedures, cleaning operations, and inspection procedures. Train workers to apply floor cleaning and maintenance products following the manufacturer’s recommendations. Keep records of all employee training, including individuals trained, subject matter covered, training materials, and the date of the training.
- Require slip-resistant shoes. A Centers for Disease Control and Prevention(CDC) study concluded, “The findings from this study provide evidence of the effectiveness of slip-resistant footwear and may assist employers, managers, and workers in their decision on whether to invest time and resources in a slip-resistant footwear program.”
IIf – despite all your best efforts – an injury does occur, immediately ensure that the injured person receives appropriate medical attention, complete an incident report, and notify your insurance company as soon as possible.
Lower Your Restaurant Insurance Costs!
The American Insuring Group is committed to providing information about Restaurant Insurance and tips to improve safety with our weekly blog. From protecting your restaurant from cyber threats to minimizing the risk of an allergic reaction in your restaurant and from protecting your restaurant against lawsuits to creating a safe outdoor dining space your customers will love (and everything in between), we’re here to help your restaurant succeed!
In addition, when you work with one of our Restaurant Insurance specialists, we help ensure you have the right coverage for your needs. And as independent agents, we check with multiple insurance companies to ensure you pay the lowest price for that coverage.
✔︎ So call us at (800) 947-1270 or (610) 775-3848, or connect with us online to discover how we can help lower your Restaurant Insurance costs.