FLOOR CHECKS

The highest claims costs under Shop Insurance is by a long way slips and trips.

Do you have a policy for dealing with spillages and wet days? 80% of slips arise from wet floors. Many are caused by spillages. Other causes are wet weather and very often staff cleaning/washing floors while the shop is still open for business. (This should only ever be done after the shop has closed and all customers have exited.)

After such incidents are reported to insurers a Claims Investigator is sent to the shop. The very first thing they do is to establish whether the retailer has a daily cleaning/floor monitoring record. If they do not, the insurer considers that our chance of defense has quite simply fallen at the first hurdle!