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How can I protect my small business from liability in the event of an accident or injury on my property in Florida?

Picture of Chris Battis By   ·  1 minute read

As a small business owner in Florida, you have a number of options to protect yourself from liability in the event of an accident or injury on your property. I would advise you to take the following precautions:

  1. Obtain liability insurance: Liability insurance can be obtained by purchasing a general liability insurance policy or adding a rider to your existing policy. This policy will provide coverage in case someone is injured on your property, and it can cover medical expenses, legal expenses, and other costs associated with a lawsuit.
  2. Conduct regular safety inspections: It is important to conduct regular safety inspections of your property to identify and correct any potential hazards that could lead to an accident or injury.
  3. Post warning signs: In areas where there are potential hazards or risks, it is important to post warning signs to alert visitors and customers to the danger. This can protect you against liability claims from people who ignored or did not see warning signs.
  4. Maintain your property: Keeping your property in good repair is a key component of protecting yourself from liability. This includes repairing any broken walkways, stairs, or other structures that could cause an accident or injury.
  5. Train employees: Properly training your employees on safety procedures can help prevent accidents and injuries. It is important to make sure they are aware of any potential hazards and know how to respond in case of an emergency.

Although these precautions can help protect you from liability, there are limitations and exceptions to be aware of. Liability insurance policies often have exclusions and limitations, and may not cover intentional acts, gross negligence or willful misconduct. Additionally, if someone is injured due to your intentional or reckless behavior, you may still be held liable regardless of your insurance coverage.

If you are concerned about your liability exposure or have questions, I recommend consulting with a licensed attorney who can help you assess your risks, and develop and implement an appropriate risk management plan.