Businesses likely know that they have injury liabilities present on their property. However, more than slips and falls could cause a customer harm. Illness risks not necessarily related to a physical injury could incapacitate a client.
If the client is able to pinpoint your business actions as the cause of an illness. The business, in turn, may be able to make a general liability insurance claim. This can help them compensate the client for the losses caused by the illness.
General Liability Coverage for Illness Risks
Businesses may pose illness risks based on a variety of circumstances:
- A restaurant may serve contaminated or under-cooked food. This may cause food poisoning, bacterial infections or more serious harm to diners.
- A farm supply business may manufacture or sell pesticides or contaminants. If handled improperly, these items may burn or poison buyers.
In each of these situations, the medical risks could become severe. The sick person may have to miss work or seek extensive medical care. For this reason, the customer may lose valuable income. They might request compensation or sue because they can prove that the illness came from your business.
General liability insurance may help the business compensate the ill client. Business owners should buy a general liability policy that covers their industry-specific risks. For example, restaurant liability coverage is often different from dry cleaning liability coverage. Restaurant owners should consider restaurant-specific coverage.
Reducing Illness Risks in Your Business
No business owner wants to cause a customer to become sick. There are things every business owner can do to ensure that the chances of that happening remain low.
- Follow sanitation laws and rules relating to your specific industry. For example, service common customer areas so that they are comfortable and safe.
- Don’t allow customers handle materials or enter areas that may pose risks to their health.
- Post risk warnings at your business. These can notify customers of potential health and sanitation risks in the establishment.
- Let a professional business inspector help you analyze risks within your business. They might be able to help you take note of the risks your products pose to customers.
One item that may relieve business owners is to know that customers often have to prove that illnesses originated in the business in order to have a successful case. Proper oversight may help the business reduce illness and lawsuit risks, making them more likely to classify as mere accidents.
Need general liability insurance? Call First Insurance Group at 800-511-2892 for a fast, free policy quote.