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Preventing common accidents on retail premises

At a glance

  • Slips and trips are one of the most common workplace accidents, accounting for a third of all injuries
  • The key to reducing liability claims is to adopt a proportionate and structured approach to risk management
  • Zurich’s Risk Insight on liability risk in the retail environment gives tips to reduce your customers’ risk

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By reading this article, and correctly answering the three questions underneath, you will have achieved the following learning outcome: Summarise latest claims trends and identify how the insurance market is responding.

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According to the Health and Safety Executive, slips and trips are one of the most common types of accident and cause over a third of all major reported injuries.


95% of slip and trip accidents result in broken bones as well as also being the initial cause for other types, such as a fall from height.

It is therefore unsurprising to learn that slips and trips are also the most common cause of accidents for those working in the retail environment. It is not just sales assistants that are at risk, however – slips and trips are the most common cause of public liability claims for retailers, accounting for 21% of such cases for Zurich.

Stopping common accidents

In order to highlight such dangers to your retail customers, Zurich has produced a Risk Insight focusing on ‘Managing liability risk in a challenging retail environment’. As well as identifying the types of liability risks faced in this sector, it also outlines key considerations your customers should take into account to mitigate such risk, applying these to the issue of slips and trips by way of example.

Being aware of the latest changes is something that brokers can really hang their hats on

Huw Andrews, Head of Casualty Practice

Huw Andrews, Head of Casualty Practice and author of the Risk Insight, said the need for maintaining a structured approach to managing health and safety has never been more important.

“While accepted approaches to managing health and safety have been established over many years, it is a current hot topic for brokers and their customers because of the Government’s reform agenda in this area. Being aware of the latest developments is something that brokers can really ‘hang their hats on’ bringing benefits for their customers and differentiating their proposition.”

Top tips and expert advice

As well as advice for broadly adopting a structured management approach to health and safety, the Risk Insight also contains Zurich’s top tips to prevent slips and trips in retail premises to demonstrate its application in relation to this key cause of loss.

Image © Getty

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