Protecting Your Business: Restaurant & Bar Premises Liability

December 12, 2017

By Colorado Restaurant Insurance —

Winter Months are Approaching. How To Prevent Slips, Trips & Falls

It’s true! More than 3 million food service employees and over 1 million guests are injured annually as a result of restaurant slips and falls. Food, water, ice, snow, dirt, sand, and more, can prove to be recipes for disaster; not only for employees, but also for customers and vendors, alike. Many of these injuries are serious, including broken bones, head injuries, twisted ankles and knees, muscle strains and cuts. According to the National Floor Safety Institute, the hospitality industry spends over $2 billion on such injuries each year and these injuries are increasing at a rate of about 10% annually.

Not only can the potential injury from a slip, trip or fall result in pain and suffering for the injured customer, these accidents reflect adversely on your business. In addition, they also impact your insurance claims experience and insurability as a business owner. Your employees should have the knowledge and authority to take corrective action when unsafe conditions or unsafe acts are observed. The safety and well-being of your customers and employees should be front and center within your day-to-day operations. While not every accident is preventable, restaurants and bars should keep safety a top-priority by creating and maintaining a safe environment for their employees and guests by implementing customary industry standards and procedures.

 

Consider implementing recommended safe work practices within your restaurant, including:

  • Provide non-slip matting in areas that tend to be wet.
  • Alert workers/customers to step-ups and step-downs by using hazard tape or other warning signs.
  • Provide adequate lighting, especially in serving and preparation areas.
  • Use portable signage warning of “WET SURFACES” to alert customers of the slippery conditions.
  • Frequently check all critical flooring; aisles, waiting areas & restrooms during business hours to make sure they are dry, clean and free of hazards.
  • All staircases should have proper treads, a sturdy handrails on each side of the stairs and adequate lighting on every flight of stairs
  • Provide mirrors for blind corners.
  • Keep passageways and walkways free of clutter and crowding.

 

Do your safety part outside your restaurant, including:

  • Parking lots and sidewalks should be clean and level.
  • Provide adequate lighting for nighttime use.
  • Redirect any downspouts that empty water onto sidewalks and parking lots.
  • Remove snow and ice as soon as possible after each storm.
  • Have sand and ice melting chemicals available to spread on ice that might form as melting and re-freezing occur.
  • Exterior stairs should be well lit, handrails on each side, and snow and ice removal is extremely important.

Employers have a primary responsibility for protecting the safety and health of their workers and customers. However, employees are responsible for following the Safe Work Practices of their employers. In summary, successful control of the hazards associated with these exposures will result in a safer restaurant environment and reduce injury frequency and severity.

 

Consult Colorado Restaurant Insurance at coinsurance@corestaurant.org or call 303-880-2806 to learn more about how to manage your restaurant risks.

Pinnacol Pointers: Winter Driving and Keeping Workers Safe on Snowy, Sleety Roads

December 10, 2017

Last year motor vehicle crashes cost Pinnacol policyholders an average of $17,980. According to OSHA, when a worker has an on-the-job crash that results in an injury, the cost to the employer is $74,000, and costs can exceed $500,000 when a fatality is involved. In fact, vehicle crashes are the leading cause of death among our nation’s workers. This time of year, wintry roads can prove especially hazardous.

 

Ensure vehicle systems are working properly
Now is a good time to encourage your employees to perform the following vehicle maintenance:

  • Scheduled maintenance: Schedule service for an oil change, coolant flush and brake inspection based on the mileage and manufacturer’s maintenance schedule. Address any maintenance issues with the vehicle’s battery, electrical system, hoses and belts.
  • Fluids: Check to ensure proper oil, coolant, transmission and other fluid levels.
  • Tires: Check for proper tread depth and for signs of damage or uneven wear. Ensure tires are properly inflated.
  • Visibility systems: Inspect turn signals, headlights, brake lights, defrosters (windshield and rear window) and wipers. Install winter windshield wipers.

For more detailed inspection checklists, visit the Colorado Department of Transportation pre- and post-trip vehicle safety checklist and Pinnacol’s vehicle safety checklist.

 

Outfit vehicles with emergency essentials
Workers should be encouraged to outfit their vehicles for winter with emergency kits that include the following items:

  • Cellphone or two-way radio
  • Windshield ice scraper
  • Extra windshield wiper fluid
  • Snow brush
  • Flashlight with extra batteries
  • Shovel
  • Traction aids (bag of sand or granular cat litter)
  • Emergency flares
  • Jumper cables
  • Snacks
  • Water
  • Road maps
  • Blankets, change of warm clothes

 

Pinnacol Resources
For more information on shoring up winter driving safety at your organization, visit Pinnacol.com for articles, checklists, workplace posters and employee training resources. Additional resources are available on the websites of the Occupational Safety & Health Administration, National Highway Traffic Safety Administration and National Safety Council. Or contact Pinnacol’s Safety On Call online or at 303.361.4700 or 888.501.4752. Our safety services team stands ready to answer questions and help keep your workforce safe behind the wheel this winter.