As a homeowner, are there steps I can take to protect against slip and fall claims?
A neighbour told me a courier claimed against them after slipping on their stairs. It’s got me spooked.
To help keep people safe on your property, there are several steps you can take. Some are obvious, such as cleaning up spills right away and keeping floors clean, dry, and clear of debris. Others include:
ensuring you have good lighting (inside and outside)
adding non-slip pads to secure rugs in your home
installing handrails on your stairs
filling in holes or cracks on walkways
keeping stairs and sidewalks clear of snow and ice
It’s also critical to have liability insurance on your home. If you don’t and you’re found at fault for someone’s slip and fall injuries, you’ll be personally responsible for paying any damages awarded to the injured person — which could be financially devastating.
With liability coverage in place, if you’re found responsible for a slip and fall, your insurer will generally pay all or most of any damage award or settlement, up to your coverage level. Typical liability insurance provides $1,000,000 in coverage. Most policies cover the costs to defend any legal action brought against you.