Regardless of the size of their business, from single operation to larger enterprise, it is a primary responsibility for the owner to protect assets and investments from lawsuit threats. Personal injury lawsuits may be filed by any individual who has suffered harm as the result of another person’s negligence, ranging from slip and falls to libel or slander. There are many effective methods available to protect a business against potential lawsuits, and many ways to protect a business from personal injury lawsuits. By integrating these strategies into the business model, essential assets, employees and the public will be much better safeguarded. Here are the major processes to protect your business from potentially devastating personal injury litigation.
1) Identify Areas of Possible Injury. The most common kinds of actions that involve personal injury include vehicular accidents, slip and falls, defective products and services and medical malpractice. Other claims include battery, invasion of privacy and defamation of character. Our New York City injury attorneys advise that business owners should determine first which types of possible injury action their business model might suffer, and pay special attention to protecting those areas. Having a general idea of how your business may be hazardous to your employees or customers will go a long way in helping you set up precautions.
2) Confirm Your Licenses. All licenses and certifications must be valid and kept current. As a starting point it’s good to recognize that most business licensing consists of checklists concerning safety and other workplace operations.
3) De-Clutter. Keeping the business area free of clutter is another way to prevent physical mishaps from occurring. Organize work spaces so that people may move about easily. Arrange to have maintenance such as cleaning performed during off hours to ensure that there are no wet floors or other hazards during regular business and high traffic hours.
4) Schedule and Verify Training. Employees should all be properly trained on how to use each piece of equipment. This includes computers, office machines of all types and any other machines that are used during the course of business. It’s a good idea to re-certify after a certain period of time when the equipment has many processes, or is updated.
5) Review and Implement Regulations. All industries have specific, industry-wide regulations concerning operating those businesses. Adhering to these regulations will also help prevent accidents and injuries from occurring. For example: Every safeguard measure associated with each position should be mindfully addressed, whether it includes special training, certification or ergonomics. When new processes are introduced, ensure that persons responsible, including managers, are all properly indoctrinated with new procedures. If your business uses certain processes that are cutting edge technology, you have a responsibility as the owner to be sure your employees are trained in that use.
6) Call Regular Staff Meetings. Managers should ensure that business operations are running smoothly. Regular staff meetings can help greatly with assuring that all minor issues are resolved before they become larger or potentially disastrous. Ask for feedback!
7) Inspect Your Business Insurance. Business owners should have insurance in place to protect their assets. Each business owner should discuss with an insurance broker the specific business risks associated with their industry. This will help to determine what kinds of insurance are available and appropriate for the business. Virtually every kind of insurance imaginable is available for protecting the business. For example:
- General Liability Insurance covers legal actions concerning accidents, injuries and negligence claims.
- Product Liability Insurance is designed to protect against loss as a result of defective products causing injury, illness or bodily harm.
- Professional Liability Insurance covers business owners providing services from claims referred to as errors and omissions.
- Commercial Property Insurance covers everything related to company property loss and damage due to events like fire, storms, smoke, vandalism and civil disobedience.
8) Consider Personal Injury Liability Insurance. Just as doctors carry professional medial malpractice insurance, many business owners have a personal injury liability policy in place.
The most important way for businesses to protect themselves from personal injury lawsuits is to follow all rules and regulations concerning business operations. Personal injury lawsuits can involve both direct and indirect activity. Therefore, having a specialized business insurance policy in place will provide extra security in order to safeguard business assets adequately.
Ann Bailey, a former journalist, contributes this research on business liability in personal injury cases on behalf of the legal firm of Perecman, PLLC. The New York City injury attorneys at this law office have expert knowledge of all matters pertaining to business location injuries and the liability thereof.
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