Slip, Trip and Fall Hazards Increased: Are You Covered?

Workplace safety hazards in Oklahoma City & Purcell, OK can lead to employee injuries, third-party claims and unexpected costs. Jordan Insurance Brokers can help business owners evaluate these exposures and secure appropriate insurance solutions.

The Impact of Local Workplace Hazards

Environmental shifts in Oklahoma can affect workplace safety year-round, including incidents involving customers or guests. Common conditions that can elevate slip, trip and fall risks include:

• Freezing weather and ice: Ice, snow and freezing rain can create slick walking surfaces on parking lots, outdoor ramps, and pedestrian sidewalks.
• Tracked-in moisture: Rainwater, mud and slush carried inside during storm seasons can quickly reduce traction on smooth tile, polished concrete or entryway floors.
• Poor indoor lighting: Inadequate illumination in stairwells, basements and storage corridors can obscure obstacles and increase fall risks.
• Path obstructions and uneven surfaces: Loose floor mats, trailing extension cords and uneven flooring can create tripping hazards across high-traffic pathways.

The Value of Workers’ Compensation

While insurance cannot eliminate risk, workers’ compensation insurance can reduce the financial impact of a workplace accident for employers and employees. Standard policies typically include:

• Medical expense coverage: Workers’ compensation insurance can cover emergency room visits, surgery, prescription medications, and ongoing rehabilitation.
• Lost wages coverage: It can also provide partial income replacement while an employee is unable to work due to a job-related injury.
• Employers liability coverage: This component of the policy can help cover legal fees and settlements if a lawsuit is filed against the business stemming from an on-the-job incident.

Where General Liability Insurance Factors In

Not all workplace hazards affect employees. General liability insurance can reduce the financial impact of an accident involving a customer or visitor on your business property. Standard policies typically include:

• Medical payments coverage: General liability insurance can help pay medical expenses for a visitor injured on the premises, regardless of who is at fault.
• Bodily injury liability coverage: This component can help cover legal fees, settlements and judgments if a customer or visitor sues the business after a slip, trip or fall.
• Property damage liability coverage: This can help pay to repair or replace a third party’s property damaged by the business’s operations.

Our Team Can Help

Contact Jordan Insurance Brokers today to get a free customized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.