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.
The international shipping industry is at the forefront of global transportation & logistics. This industry historically has provided clients of certain goods around the globe an often safe and successful way to ship goods to consumers who require items that are quite often not readily available from local distributors. But there can be great risks involved, and many of these companies face significantly volatile conditions when performing these arduous tasks.
Transportation and logistic service providers operate with a slew of exposures that can threaten the very fabric of their companies, and therefore need the security of cargo liability programs. With the aid of brokers and agents, they can be protected against many operational risks and hazards, which includes damage to freight and vessels, untimely delays resulting in spoiled goods, much to the dissatisfaction of their clients, and even the looming threat of piracy. With so many concerns, those in the business of transportation and logistics can be faced with some very demanding insurance requirements.
Risk management can help to avoid certain risks
In an industry highly affected by changes in the international economic and political environment, where instability in some regions can play a role in their ability to ship and receive goods and cargo in certain areas, your clients have come to depend on this type of coverage as a way of protecting their investments. Coupled with concerns over ever-increasing regulations, the volatility of financial markets, new technological breakthroughs, and constant environmental concerns, they find themselves presented with a very challenging business environment.
Risk management provides a means by which to analyze many re-occurring risks. Having proper control systems in place is as important as the proper training of employees. There is certainly a need for a clearly defined idea about crisis management concerns. Those risks faced by transportation companies are far different than what a typical company must address, and liability, property, and other exposures must be addressed using comprehensive insurance coverage, along with effective risk management, in order to help mitigate losses.
Logistics professionals depend on brokers and agents to help them partner with a reputable agency experienced in dealing with cargo liability programs in order to face these emerging challenges and help with their success in this dynamic industry.