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Store - business owners property/liability

Common losses

  • Slip and fall in water, snow, leaves, uneven steps/threshold, door mat missing/bunched up, ice on sidewalk, etc.
  • Some products liability exposure, especially if store owner modifies the product in some way before selling.
  • Fire resulting in property damage (e.g. – electrical failure, ignition by flame-bearing tool, welding/cutting torch, ignition by combustible material stacked near heater, ignition in HVAC system).
  • Damage to roof, siding, AC units caused by windstorm/hail.

Risk control resources

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Did you know...

According to the Bureau of Labor Statistics (BLS), slips, trips and falls on the same level are the second leading cause of injury in the workplace. Falls on the same level are estimated by the BLS to cost $6.9 billion annually. Slips, trips and falls can occur in any business with considerable public and employee foot traffic – such as those in the retail, medical and service industries.