With winter weather right around the corner, it is important for property managers to review and update their snow and ice removal procedures. Snow and ice related claims are both frequent and severe. Luckily, there are some pretty simple steps property managers can take to prevent these losses.
By far the most common winter accidents are slips and falls caused by failure to clear away snow and ice. It’s also important to remember that snow and ice hazards are not limited to the surfaces under our feet. Icicles and compacted snow can cause serious injury when they fall from above, and the weight of the snow itself can cause damage to buildings unable to support the massive load.
Property managers need to have a plan in place for efficient and thorough snow removal at their premises. The plan should include who is responsible for the task, which areas need to be cleared, and a deadline for when the job should be completed. Of course, a snow removal plan is only possible if the proper equipment is available. Property managers need to have adequate snow removal tools and supplies on hand prior to the winter season.
Transferring the responsibility for snow removal is another option for property managers who either don’t have the means to carry out the task themselves or do not want the extra work of managing the operation throughout the season. Managers can transfer the responsibility to one of their tenants through the lease agreement, or they can enter into a contract with a professional snow removal contractor. With both options it is important to make sure the other party has the means to complete the task properly. Property managers should always incorporate a detailed description of the snow removal plan in the agreement itself.
Independent snow removal contractors also present their own area of concern, commercial insurance. Property managers should request a current certificate of liability insurance from the contractor as proof of sufficient coverage for their operations and employees. Hiring an outside party does not absolve the property manager of all liability. If the contractor does not have sufficient coverage for snow removal operations or worker’s compensation claims, the manager will find themselves on the hook for settlement and litigation costs.
Hausmann-Johnson Insurance offers a variety of risk management services, including a comprehensive review of your snow and ice removal plans, tenant lease agreements, and contracts with snow removal professionals. Feel free to contact the Real Estate & Hospitality industry group at Hausmann-Johnson Insurance and we can help you prepare for the hazardous winter conditions.
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