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Did you know slips, trips, and falls are one of the greatest personal injury hazards facing your association? In fact, according to the National Floor Safety Institute, falls are the leading cause of emergency room visits. Any slip, trip, or fall incident brings the potential for your association to be held responsible for that person’s injury. To protect people from painful and potentially deadly injuries and to protect your association from liability and unnecessary claim costs, take action to prevent accidents from occurring in the first place.
If a slip, trip, or fall occurs:
- Provide assistance
- Document the event
- Keep your records in order
Responding to the incident:
- Offer assistance
- Provide first aid
- Call for emergency medical assistance, when required
- Demonstrate understanding and concern for the fallen person
- As soon as possible, report the incident to appropriate management personnel
- Do not give assurances that medical bills will be “taken care of”
Document the incident:
- Promptly complete the incident report
- Complete the form at the incident site as quickly as possible
- Provide the signed incident form to management
- Keep a copy of all incident reports
- Review the incident reports to identify problem areas
- Correct identified problems
- Provide a copy to your insurance company
Other action plan steps include:
- Regularly scheduled premises inspections
- Floor care maintenance records
- Keep copies of any maintenance agreements with outside vendors
Below are areas of heightened concern for Community Associations that you should pay particular attention to:
- Outdoor Surfaces: Outdoor surfaces, such as parking lots, sidewalks, and walkways, are one of the leading areas for slip and fall injuries. Rain often makes these areas slippery and dangerous.
- Steps and Stairs: Steps and stairs pose a slip and fall hazard for several reasons, and falls down stairs are often more severe. Steps can become worn over time due to heavy use and be a serious trip and fall hazard. Carpeted stairs can become torn over time and create serious trip hazards as well.
- Pool Decks: Pool decks are a dangerous area due to the large amounts of moisture, slicks floors, and minimal footwear.
- Locker Rooms: Locker rooms are dangerous, like pool decks, due to the slippery conditions. Locker rooms are also dangerous due to clothes, bags, and towels that can clutter up the floor and cause trip and fall injuries.
- Entryways: These high-traffic areas are also an extremely common place for slip and fall injuries to occur. Due to the high amount of foot traffic, water and debris are consistently tracked in by shoes making the area slippery.
Jeff Sanders, works with associations and companies throughout the state of Florida to meet their insurance and risk management service needs. Jeff and his team have a proactive style and hands on approach to providing insurance services to their clients. Not only is Jeff a commercial property and casualty specialist, he also holds a TRIP designation, is a member of the Community Association Institute (CAI), Hospitality Financial & Tech Professionals (HFTP) association, and Community Owners – Managers – Associates (COMA). Jeff is also a certified Continuing Education instructor for the community management and construction industries. Comments and questions are welcome at firstname.lastname@example.org
Gulfshore Insurance has been successfully insuring and protecting Community Associations throughout Florida for more nearly 50 years, and currently insure over 700 community and condominium associations throughout the state. We are committed to identifying your specific exposures; developing strategies to handle those risks; implementing insurance programs and coverages to meet your needs; and continuing to monitor and adjust your plan to ensure a perfect fit with your association. Contact us today for assistance with any insurance or risk management concerns.
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