california product liability insurance

Grocer Store Insurance and Commonly Experienced Hazards

As a grocery store owner you’re likely to see some type of accident occurring on a daily basis. This is because food items are often stacked high on shelves and this can lead to items falling with the possibility of injuring an employee or a patron. While employees are covered under workers comp insurance you’re going to need Grocer store insurance that deals with injuries to customers as well as other liability concerns.

Common causes of injury to customers aren’t limited to items falling from up on high shelves, and includes slipping on wet floors or having run-ins with carts and other people while shopping. The list of possible hazards, while not too extreme in numbers, should be examined, with safety instructions on stacking and immediate clean up of spills duly enforced. One serious injury could be quite costly, which further illustrates the need for having the right coverage in place, but educating employees is equally important in order to promote proper safety at all times.

Head and body injuries from falling objects can also be serious, especially those involving older patrons, including retail displays, items that are difficult to reach, and other shopping-related mishaps. Shopping cart injuries are often due to ramming carts together (sometimes hands suffer injury as a result of this) or due to a cart tipping over onto its side.

Overcrowding is another source of concern when too many people crowd into a particular section of the store, which may result in trampling, or other serious injuries, and even outside of the store in the parking lot injuries can result from cracks in the pavement or insufficient lighting at night, which can result in injuries from a slew of different incidents.

Failing to fix or restore lighting, uneven pavement, and not being diligent about ensuring that displays do not pose a threat of physical harm puts you at risk for a possible lawsuit. Having a Grocer store insurance policy provides you with coverage for when accidents happen, as they eventually will at some point in time.

Misuse of Products and California Product Liability Insurance

As a manufacturer, you need to do everything necessary to protect your company against product liability claims. Ensuring that proper processes are in place and identifying problem areas can go a long way towards providing protection for your company, but it’s certainly not enough. If consumers claim that there is a product liability issue with an item you produce you’re going to need California product liability insurance to fight those claims, or otherwise pay for any damages incurred.

State laws help determine what constitutes product liability

In certain states, the law requires that the product be properly packaged or labeled to give reasonable warnings of dangers about the product and/or to give completed instructions on proper use of said product. A company has the right to defend against this type of claim if, for instance, the injury was caused by misuse by the consumer. This is provided that you manufactured the product according to standards set by state and federal law.

As an example, let’s say your company produces a product that is intended only for a particular use, but a consumer who purchased your product used it in a way in which it was not intend and was injured. How do you now protect your company against this type of claim? Manufacturers can protect themselves against claims of this nature by developing a process to regularly monitor and update product labels and always provide instructions that clearly state the intended use by the consumer. In addition to carrying California product liability insurance you should go to some lengths to determine in what ways you can limit your risk.

Manufacturers can also protect themselves against this type of claim by developing a process to record the specifications of each product before shipping to an OEM. This process allows the manufacturer to easily reference the state of the product when it was delivered to the OEM. Your company can limit or avoid exposure to this claim if the injury was caused by a modification or alteration to the product made after it was delivered to the initial customer.

Staffing Companies and Employment Practices Liability Concerns

Employee relations can be challenging for staffing agencies because they have such a unique situation. This is due to the fact that their candidates are being placed under the direction of their clients, rather than being directly supervised by the agency itself. This means that technically, when an employee files an employment practices liability claim, the temporary staffing agency and the company where the employee works (or worked) both can be sued.

There is a type of insurance that any business concerned with lawsuits for discrimination, harassment and the like should have, and it’s called employment practices liability insurance (EPLI or EPL), which is intended to cover most employment-related lawsuits that companies often face.

Common reasons why EPL suits are filed

The list of reasons why an employee might decide to sue the company they work for is a long one. If someone feels unduly harassed by an officer of the company or even another employee, and they feel that the company isn’t doing anything about the situation, then this type of behavior often triggers a claim. In addition, discrimination, whether sexual, racial, or of another nature can lead to a lawsuit as well. People who feel they were passed over for a promotion (this is often the case when someone else is promoted that they feel is “less qualified” for that same position) will want to be compensated for what they feel is an unfair business practice.

Lawsuits also stem from new candidates who aren’t offered a job, employees who believe they were wrongfully demoted or given a negative evaluation, or those who feel they were a victim of libel, slander, had their privacy invaded, or were simply misrepresented in some way. In an environment where so many people come together for a common cause, personality clashes can lead to misunderstandings, or petty mistreatment. EPL has even been the result of telling inappropriate jokes at work or looking at photos or websites deemed lascivious and not proper in a working environment.

If you own or manage a staffing agency odds are you will need employment practices liability insurance. Lawsuits are often filed in situations that seemingly are just fine, and that’s due to the fact that those in charge don’t realize that these tensions even exist.