Common Hazards Illustrate the Need for Grocery Store Insurance

Common Hazards Illustrate the Need for Grocery Store Insurance

Grocery stores provide services to hundreds of thousands of people a day with a wide variety of hazards existing for patrons and employees. Common causes of injury to customers include slipping on wet floors and being hit by falling objects on high shelves, and this is just while inside the store. Employees can suffer from this as well, in addition to having issues stemming from improperly lifting heavy boxes and the mishandling of equipment, including ovens, fryers, knives and pallet jacks.

Grocery store insurance, and specifically policies for liability (for customers) and workers compensation (for employees), are required to pay for injuries resulting from these accidents, or causes of injury, as well as a slew of other concerns. We will look at other hazards and causes of injury to further demonstrate the need for these coverages, and also to use as an education tool for employees in order to promote grocery store safety.

Other common causes of injury in and outside the premises

  • Slip and falls, which can occur as a result of wet floors, poorly lit aisles, and escalator malfunctions
  • Shopping cart injuries from accidental ramming or as a result of falls due to a cart tipping over
  • Overcrowding injuries which may result in trampling, or other more serious injury, and
  • Parking lot injuries due to a cracked or an improperly designed parking lot, or failure to remove ice or snow

Shopping-related incidents resulting in personal injury claims

Any time an individual who becomes injured on commercial property (such as a store or shopping mall), they may file a personal injury claim under a state’s negligence laws. Under premises liability laws, owners of a store must exercise reasonable care to see that the premises are reasonably safe from hidden dangers or any hazardous conditions they have reason to believe may cause injury.

For example, stores must be diligent and clean up spills quickly, remove fallen objects, fix broken stairs or railings that may pose a threat, replace dimmed light bulbs in order to provide patrons and workers with adequate lighting, and provide adequate security for customers. Failing to do so puts them at risk and grocery store insurance provides a safety net for when an unfortunate incident does happen.