Legal Steps for Ohio Small Business Owners to Protect from Liability

As a small business owner in Ohio, you can take several legal steps to protect yourself from liability in case a customer gets injured on your property.

1. Purchase Appropriate Insurance:

One of the most important steps you can take as a small business owner is to purchase the appropriate insurance coverage. Liability insurance may provide you with financial protection in the event of an accident or injury on your property. You may also consider purchasing property insurance, which can cover damage or loss to your physical assets including buildings, equipment, inventory, and raw materials.

2. Identify and Mitigate Hazards:

As a business owner, you have a duty to keep your premises safe for customers and visitors. This means identifying and mitigating any hazards that may increase the risk of injury. Some examples of hazards include slippery floors, sharp objects, uneven surfaces, and exposed electrical wiring. You should post warning signs to alert customers of any potential hazards and address any dangerous conditions promptly.

3. Implement Safety Protocols:

In addition to identifying and mitigating hazards, you should implement safety protocols to help prevent accidents and injuries. This may include training employees on proper safety procedures, regularly inspecting your property for potential hazards, and implementing cleaning and maintenance schedules to keep your property in good condition.

4. Follow Legal Requirements:

Ohio has specific laws and regulations that businesses must follow to ensure customer safety. You should familiarize yourself with these requirements and comply with all applicable laws and regulations. This includes keeping your property in compliance with building and fire codes, following any applicable health and safety requirements, and providing adequate signage and lighting to ensure customer safety.

In conclusion, as an Ohio small business owner, you can protect yourself from liability by purchasing appropriate insurance, identifying and mitigating hazards, implementing safety protocols, and following all legal requirements. However, it is important to note that these steps may not completely eliminate your risk of liability, and you should consult with a licensed attorney to develop a comprehensive liability protection plan.