Slips, trips, and falls are among the most significant workers’ compensation and general liability exposures. Two of the most common causes for slips and falls are slippery and uneven walking surfaces. It is essential to take the time to evaluate every area of your facility and find where these risks could arise, specifically high-traffic areas.
Your landlord’s property insurance won’t help you if disaster strikes. It covers the structure, but not any of your things. Renters insurance covers your belongings from all the possible bad events listed in the policy, such as fire, smoke, water damage, windstorms, lightning, theft, and vandalism. Even if you don’t think your stuff is worth that much, renters insurance is a good idea. The cost of replacing just a basic wardrobe and only a few pieces of furniture adds up quickly. Plus, renters insurance covers more than your personal belongings at home. Purchase enough insurance to replace all of your belongings, and choose a liability limit high enough to protect any savings and property you could lose if you were sued.