4 Tips to Reduce General Liability Risk

​General liability insurance companies can aid you in financial protection in times of accidents, but reducing the risk can be a better option for you. It is better to do precautionary measures than tactlessly let incidents happen. Here are four quick tips to minimize general liability risk in your business.

1. Keep parking lots and sidewalks clear
   Keeping parking lots and sidewalks near your office clear can prevent accidents from happening. You are liable if the accident involves your customer, staff, or supplier in your business premise and time. For instance, after the flood, your parking lot still has some water remnants, which can cause an accident to people who passed by. By keeping your parking lot clean, you can reduce the likelihood of someone slipping on the way to or from your office to avoid serious injuries.
   
   
2. Clean up spills promptly
   Spills may not be as slippery as ice, but customers and vendors can still slip on them. People in a hurry might slip-up and get injuries due to wet areas. Your business might be held responsible for this incident. In the end, your employee may have caused the spill in the first place, making things more complicated. Prevent this by quickly cleaning up whenever spills occur.  
   
   
3. Develop and implement safety protocols
   There are two reasons why developing and implementing safety protocols protect you from general liability risks, which are as follows:
   
   - A well-designed safety protocol makes your business a safer place to work, causing a direct impact on the chances of having injured customers and vendors. It also reduces the possibility that your business will face a general liability coverage claim.
   
   - Official safety protocols might aid your business to develop a defense if it is involved in a general liability coverage claim. When someone filed a qualifying lawsuit against your company, show a record of the safety protocols your business has, and evidence of implementing it. It can prove that your business took reasonable steps to reduce the risk that customers and vendors faced.
   
   
4. Work only with insured people
   Working with people who maintain their insurance coverage can reduce the chance of filing a claim against your business’ general liability insurance coverage. Their insurance coverage gives them less incentive to seek compensation from your company.

However, accidents and liabilities come with your business’ success, so the tips above can’t give you absolute protection against general liability claims. For the utmost security, buy insurance with the best coverage to aid your business.

At American Eagle Insurance, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (225) 667-7377 or Click Here to request a free quote.