Winter presents unique premises liability risks for business owners, as snow, ice, and cold conditions increase the likelihood of accidents. Added to the increased exposure for legitimate incidents and accidents, fraudsters annually look to capitalize on this seasonal exposure with fabricated slips, trips and falls. To manage liability exposure effectively, business owners should consider the following key factors:
- Snow and Ice Removal
Accumulated snow and ice can create hazardous walking surfaces that lead to slips and falls. Business owners should have a plan for regularly clearing snow and treating icy surfaces, especially on sidewalks, entryways, steps, and parking lots. In some areas, local ordinances mandate timely snow and ice removal, so owners need to be aware of their obligations. - Entrance Mats and Floor Drying
Winter conditions often lead to wet, slippery floors indoors as people track in snow, ice, or water. Entrance mats can help absorb moisture, and regular floor drying or mopping may be necessary to reduce the risk of slips and falls. Caution signs should be used in areas that remain wet or slippery. - Adequate Lighting
Winter brings shorter daylight hours, so maintaining bright, well-lit pathways and parking areas is essential. Proper lighting helps people spot icy patches, uneven surfaces, and other hazards, reducing the risk of accidents. - Gutter Maintenance and Icicle Prevention
Icicles or snow buildup on roofs and gutters can pose serious risks if they fall. Business owners should ensure gutters are clear of debris and inspect roof edges regularly to prevent ice dams and icicle formation. Snow guards and roof heaters can also help prevent dangerous buildup. - Inspecting and Repairing Walkways and Parking Lots
Uneven surfaces or cracks in sidewalks and parking lots can be particularly hazardous when covered by snow or ice. Business owners should inspect these areas for damage before winter and make necessary repairs to reduce the chance of accidents. - Signage for Hazardous Conditions
If icy or wet conditions can’t be immediately cleared, business owners should place clear warning signs to alert customers and employees to potential hazards. Warning signs for wet floors, icy patches, or ongoing maintenance are helpful to reduce liability and show that the business took steps to warn people. - Emergency Preparedness for Extreme Conditions
Winter storms and extreme cold can lead to power outages, burst pipes, and other emergencies. Business owners should be prepared with a backup plan for maintaining safe temperatures and keeping essential areas accessible in case of a storm. - Employee Training and Winter Safety Procedures
Employees should be trained on how to manage winter hazards and handle snow and ice removal, wet floor mopping, and proper use of safety signage. Clear protocols help ensure that winter hazards are addressed consistently and effectively. - Monitoring Weather Conditions
Staying informed about upcoming storms or temperature drops can help business owners prepare ahead of time, whether by arranging for snow removal, ordering salt or sand, or adjusting business hours as needed. This can also demonstrate proactive risk management in case of an incident. - Documentation
Maintenance of a “sweep log” documenting checks for hazards on floors. Business owners can use this log to help protect themselves in the event of a claim, fabricated or otherwise.
By implementing these measures, business owners can reduce the risk of winter-related accidents and demonstrate a commitment to keeping customers and employees safe, ultimately lowering their premises liability, workers’ compensation exposure, and susceptibility to fraudulent claims.
