With inclement weather comes an increase in “loss of balance” type incidents - slip and fall or tripping - affecting not only your customers, but also the general public and your employees. These exposures exist year round, whether it’s a customer visiting your office to pay a bill walking over a slippery floor, or someone encountering a hazard created through equipment installations on public or private property. As most utilities have equipment installations throughout a community, it’s virtually impossible to eliminate all of these hazards. As such it becomes more important to ensure your organization is both:
a) Responsibly reducing the hazards where possible and;
b) Avoiding liability in the face of these common incidents.
Municipalities have had experience with these incidents which have resulted in claims. To help manage the claims experience, we recommend MEARIE customers consider the approach Municipalities have taken, particularly in light of the following case:
The City of Hamilton has approximately 125,000 water supply installations which include a ground-level cap. These caps are normally flush with the ground, but it is not uncommon to have them pop up due to heaving of the frozen ground. Due to the sheer number of installations involved, the City established a policy to respond to pop-up complaints, but to not inspect them on a regular basis. There was a court case, Vizbaras v. Hamilton (City) 961, where the plaintiff tripped in their driveway over the city- owned cap of a service barrel leading to the City’s water supply. The Court found that the City’s decision to establish their non-inspection policy had been made in good faith and that this general practice among municipalities supported its reasonableness. In other words, the fact that the City had reasonably considered this hazard, had a firm policy, and were acting as other municipalities do, helped them defend their level of liability (even though that policy did not include attempting to inspect each of the ground-level caps, which would have been unreasonable).
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As part of your Risk Management activities, MEARIE recommends identifying the various common utility- owned equipment installations on public or private property and then, in respect of each type of equipment, develop and implement a corporate policy of either:
In either case, document compliance with the policy (the inspection policy should clearly define and quantify the frequency of what inspections are to be followed). |
Your corporate policy should:
The establishment and implementation of such a corporate policy could provide excellent defense in a liability claim. With such a policy in place, implemented and properly documented, you may lessen claims and the legal costs MEARIE incurs to defend such claims, which ultimately result in lower insurance premiums for your organization.
To reduce the potential for slip and fall-related injuries, often due to slippery conditions on your premises, a first step is to identify these exposures and then prepare to address them, if possible. A reasonable effort and intent to prevent slips, falls and trips from occurring, showing due diligence, is required to reduce your liability if an incident occurs.
As part of your corporate Operating Policies & Procedures, creating various policies such as “Sidewalk/Parking Lot, Inspection and Maintenance Policy,” is a good idea. Not only will the creation of a policy help you identify the hazards involved, in the event of a slip and fall type incident, a defined corporate policy is required to invoke the “policy defense” when responding to legal actions against you. Such a policy should:
Priority can be assigned based on:
During regularly scheduled inspections of areas where foot traffic occurs, look for “accidents waiting to happen” resulting from: wet spots, loose surfaces (such as tiles, carpets or mats), general housekeeping or storage. For other locations that might be off your immediate premises, look for debris or loose grates near underground vaults, guy wires around poles and settling of trenching or excavations. These should be inspected, as well.
Where you have uneven surfaces, sidewalks, potholes or similar hazards on your premises or elsewhere, resulting from your operations, use highly visible marking such as spray paint, traffic cones or caution tape to warn of the hazard until it can be repaired. Once repaired a follow up inspection should be performed and documented to ensure there has been no settling, heaving or resulting uneven ground.
Any time your company is involved in trenching or digging, it is important to ensure surface repairs are completed, follow up inspections are documented and, if required, remediation is carried out. It’s important to ensure potential hazards are eliminated and that settling does not occur.
It’s all in the Documentation
The importance of documentation cannot be stressed enough in the defense of potential legal actions against you.
Create a specific way to keep track of the following:
Do you contract out your winter snow removal services? Ensure your contract specifies the expected service level and response times, follow up and record keeping requirements. As part of the contract include: indemnification or hold harmless agreements; insurance requirements; and be added as an Additional Insured on the contractor’s policy. The activities of the contractor should be documented in a maintenance log. Additionally, you should have a process in place for staff to respond to situations of ice and snow removal between service calls, documenting these actions.
What to Do in the Event of an IncidentIncident reporting and investigation should be carried out and documented for every incident, no matter how minor the injury may seem, in accordance with your Operating Policies and Procedures. Reporting should include the following:
Documentation resulting from investigating incidents should be kept for a period of at least two years and one month from the date of the incident, at which point the statute of limitations period has passed. If an incident/accident involves a minor, the documentation should be kept until two years and one month after the individual reaches the age of majority. |
Prevent Slips and Falls in the Workplace
http://www.labour.gov.on.ca/english/hs/sawo/pubs/fs_f alls.php
Fact Sheet Ministry of Labour
http://www.labour.gov.on.ca/english/hs/pdf/fs_falls.pdf
Sanding and Salting log - Ontario School Board Insurance Exchange
http://www.osbie.on.ca/risk-management/at-a- glance/pdf/salt-sand-log-sheets.pdf
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This Reciprocal Newsletter is an electronic publication intended for Subscribers of The MEARIE Group’s Insurance programs. It is published on a periodic basis and intended for information purposes only. In the event of specific claims, incidents or legal actions against the Subscriber, coverage will be determined by MEARIE policy interpretation. |