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.