Mosaic Insuance in Prescott Valley Arizona | Home Insurance | Auto Insurance | Life Insurance | Business Insurance

How businesses can reduce their liability risk

With Winter just around the corner, most businesses are at additional risk of insurance claims due to ice, snow, and wet pavement. By keeping your property in good working condition, you can ensure that your employees and customers are safe, all while minimizing your liability risks. Mosaic Insurance, a leading insurance provider in Prescott, is here to tell you how you can keep your business safe this season.

Keeping walkways clear is important - Nothing screams liability like a walkway covered in ice. One slip and you could be paying thousands of dollars in settlements. Make sure that all surfaces are deiced and free of leaves and puddles. Make any steps or other hazards are cle
 arly marked.

Check your roof and gutters - Make sure that your roof is leak free and that the gutters are clear to allow proper runoff. Make sure that the area where water runs off isn’t anywhere where ice would reasonably be a problem.

Create a maintenance plan - Having an idea of what can be expected is a good business practice. Keep a list of things that need to be checked regularly, and things that need to be check when there is rain or snow.

Warnings and labels help prevent liability - Wet floors signs and other cautionary signs/markings can help reduce liability. Especially look out for the small things; we all know the story of the lady that sued McDonald's for spilling her drink.

Just because someone gets hurt on your property doesn’t mean that it is your fault. In a court of law, there needs to be information that shows that any of these accidents were caused by negligence and property property/product care. By putting up signs, cleaning up ice, and clearly marking areas that need improvement, you can save yourself a lot of time and hassle, and potentially a lawsuit.

Now, let's say that even after being careful, you end up getting a lawsuit on your hands. If that happens to be the case it may be too late if you are not insured.  We suggest you make sure that you’re covered by purchasing either a professional liability insurance or commercial liability insurance. Both of these can pay for any bills that may be incurred over the course of the lawsuit, as well as protection from various other types of liability, such as commercial auto liability. It’s always better to be safe than sorry, so commercial auto liability could be right for you.

That’s where we come in. If you own a small business and are interested in professional liability insurance, or would like to know more about the benefits of professional liability insurance in Prescott, give Mosaic Insurance a call. We are experts in insurance and can help you pick a plan that is perfect for your needs as a professional. You can reach us at 928-458-7374



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