CGL Insurance and How It Applies to Bathroom Accidents

Every business is going to face challenges from time to time. While you of course want to keep your employees and customers as safe as possible, the fact of the matter is that you cannot be everywhere at one time, to be on the lookout for potential developing issues. For this reason, you have to be able to rely on your commercial insurance benefits to protect you in case of unexpected, costly accidents.

There are plenty of locations within any business that could prove risky to customers or other visitors. One of the most obvious is the restroom. Not only is a restroom a high-traffic area, but also it’s full of potential hazards that could harm a client in the blink of an eye. One of the most obvious of the present liabilities is a risk of slip-and-fall accidents.

Naturally, you don’t want any client to fall and get hurt in your restroom. However, you just can’t eliminate the risk of an accident ever happening. If the worst happens, then the ramifications could be far reaching. And because the accident happened on your watch, then it might fall on you to compensate the injured party. The benefit that can help you do so is commercial general liability (CGL) insurance.

General liability insurance is a diverse and very powerful benefit that can be helpful to numerous parties. It is often a business’s first line of defense in the face of a slip-and-fall accident that occurs in a bathroom, but it’s primary purpose is to compensate the injured party. That’s why you must work with your commercial insurance agent to optimize your coverage to your advantage, so that it will always be able to rush benefits to your aid at the time you need it.

To any business, these costs could be significant, and most business owners would not be able to afford to pay them on their own. That’s why general liability insurance is absolutely necessary to help you maintain your business’s own stability despite owing significant restitution to a third party.

How Liability Insurance Can Be of Assistance 

There is virtually no way to eliminate every chance of a slip-and-fall accident to occur in your bathroom. However, because commercial insurers recognize these risks, their general liability insurance plan offerings are almost always going to cover these accidents when they occur. As a result, the business will be able to survive these incidents virtually unscathed, while still being responsive to someone who suffered an accident due to your mistakes.

Still, though your policy will cover slip-and-fall claims, that does not mean you don’t have a duty to engage in proper risk management practices. After all, the safer your bathrooms, the less of a likelihood there is of a fall occurring. Often, it’s as simple as noticing fall risks (like leaking pipes), isolating them and then cleaning up the mess as quickly as possible. The sooner you fix a problem, the lower your chances of ever having a problem occur. 

Keep an eye on things, make bathroom cleanliness and safety a priority in your bathroom, and make certain that you respond to any customer complaint as soon as it arises. In the end, you’ll do yourself a lot of favors by making sure that you are ahead of the game in the face of any potential bathroom liabilities.