Taverns can get slippery, especially when there are many customers and plenty of food and drink involved. Even though bars, pubs & taverns program insurance protects an establishment from general liability, a customer who falls on a slippery floor can still sue the owner for pain and suffering, lost wages, medical bills, and more. Your company might pay for a large claim if a judge decides in the customer's favor.
Here are some tips to keep this situation from happening to your clients.
As an insurance agent, you know all about the liabilities of slippery floors in taverns, but your clients may not. Start the conversation by explaining how their insurance depends on making sure their floors are a safe place to walk. If the establishment advertises a karaoke night, paint a vivid picture of the traumatic aftermath of a client slipping and suffering a severe injury while singing on stage.
There are commercial cleaners on the market. Thus, some purchase a brand based on unimportant qualities such as its fragrance or ease of dispensing. The characteristics they need, however, depend on their flooring type. For example, it is acceptable to clean hardwood floors with an oil-based soap, but tile and concrete require a stronger degreasing detergent that won't leave an oily residue.
The number one weapon to wield against slippery floors is a mop. Once owners choose the most appropriate model for their flooring type, recommend these tips to take care of it:
Pub owners should instill in workers the importance of customer safety. They should teach all new hires to monitor floors throughout the night and instruct managers to provide constructive feedback on employee performance. Suggest periodic safety refresher classes as a form of professional development. Businesses could also offer money or other incentives to those who spot and clean up spills the fastest.
Be sure to review your client's taverns program insurance policy regularly. Terms can change periodically, so it is crucial to keep them up-to-date on current requirements. Don't make them wait until someone slips on a wet bathroom floor to learn that they don't have the coverage they thought they did.
Bars, pubs & taverns program insurance acts as a safety net to protect people's livelihoods, but it only works if they do their part to maintain a safe environment. While it is impossible to prevent all accidents from occurring, the above tips will help keep your clients from filing excessive insurance claims. By maintaining clean and dry floors, they will decrease the chances of ever having to use their policies.
At RMS Hospitality Group, our expertly crafted policies are written specifically for the hospitality industry. We offer custom tailored solutions to meet any venue's specific needs. For more information, contact our knowledgeable experts today at (888) 359-8390.
At RMS and associated firms, business continues as usual. Our staff is remote-capable and available to handle all partners, brokers, and insureds at the present time.
