slip and fall

Risk Insight

Sidewalk Law Whitepaper: A Crack in Your Sidewalk Could Put a Crack in Your Piggy Bank

Did you know? As a New York City property owner, you are required by law to maintain the sidewalks around your property. Neglecting your sidewalk could lead to hefty penalties.

When it comes to the sidewalk outside or adjacent to a property owner’s building, one might naturally assume that the city is responsible for its upkeep. But in New York City, that kind of assumption could lead to dire consequences. According to the New York Administrative Code (the NY Code), property owners themselves are responsible for maintaining the sidewalks, not the City.

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Halloween Pumpkin story
Real Estate, Community Associations, Risk Insight

A Spooky but True Halloween Story

In honor of Halloween today, we’re re-sharing one of our claims that came in through our City Homes program a while ago.

On a cold, dark night in early November, snow and ice glazed the sidewalks up and down the block. Tired building owners shuffled out at first light to make sure their patches of sidewalk were cleared and salted. All but one, that is. Our insured, who we’ll call Mr. Smith, is the non-resident owner of small apartment building. He decided to sleep in that morning, confident that his son would shovel the sidewalk in his stead. Junior had been out all night and hadn’t woken up to shovel the walk. So when a young woman slipped on that very patch of snow, the only un-cleared area on the block, it didn’t take her lawyer very long to find Mr. Smith’s name and address, and serve him with her medical bills for her torn rotator cuff and spinal injuries.

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Snowy Sidewalk
Real Estate, Hospitality & Restaurants, Community Associations, Risk Insight

Preventing Slips and Falls in Winter Months

Slip and fall accidents account for 15% of all accidental deaths in the United States. Annually, an estimated one million Americans will have an injury related to a fall, 600,000 will be hospitalized and 17,000 deaths will occur.

Studies find most injuries result from contact with outside surfaces. Property owners could be liable for injuries sustained on their property if they did not ensure a safe environment for visitors to walk. According to a fourteen year Distinguished Programs study, Slips and falls are the leading source of guest injury, claims, and insurance cost.

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Bathroom Slips
Hospitality & Restaurants, Risk Insight

Dangers of Guest Bathroom Slips and Falls

Guest injuries due to bathtub or shower slips and falls remain a constant source of exposure for hospitality management, and no wonder considering the abundancy of potential risks. In fact, a study on hotel accidents conducted by Cornell University concluded that at 42%, slips and falls were the most common type of accident hotel guests suffered; guest room bathtubs and showers were one of the most common sites of a guest’s bathroom slips or fall.

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street cracks
Real Estate, Risk Insight

Slips, Trips, and Falls – Oh My!

It’s a city street, but you’ve got to maintain the sidewalk.

Attention small building owners in New York: You know those mythical holiday shoppers who get all their present-buying done well in advance of Thanksgiving and have a stress-free lead-up to the holidays? … Well, let’s apply that same logic to something that isn’t a myth – the reality of an insurance claim from someone falling on your building’s sidewalk or stairs. Autumn is the time to address any sidewalk hazards, before winter’s first storm hits.

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