When it comes to the causes of insured losses, one peril clearly tops the list of risks for restaurants: “Slips, trips and falls are the most common cause of loss,” says Debra J. Denker, an industry manager at Travelers.
Considering how many Workers' Compensation and General Liability claims stem from these tumbles, it's imperative that agents and brokers stress to their clients how important it is to take steps to avert them. And the good news is, these incidents can be avoided with the right approach to risk management, loss-prevention experts assert.
“Our view is you can engineer out [much of] the exposure,” says Jamie Merendino, vice president and general manager of loss control for the commercial insurance unit at Liberty Mutual.
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