Slip-and-Fall Risk Management for NYC Landlords and Building Owners

A slip, trip or fall can mean nothing more than a bruise and a little embarrassment, or it can result in serious injury, litigation, and costly insurance claims. Every year, nearly eight million people wind up in a hospital because of a fall, according to the National Floor Safety institute (NFSI). More than 47,000 will die from a fall. In New York City, falls are the leading cause of injury-related emergency room visits.

For landlords and other building owners, slip-and-fall incidents are more than a safety concern. Such accidents are a major insurance and liability exposure. Owners are generally responsible for falls on their property, including adjacent sidewalks. Claims arising from these incidents can drive premium increases, higher deductibles, or even reduced coverage availability. As a result, preventing slips, trips and falls is a critical part of property risk management. Ensuring the safety of tenants and visitors is a top priority, protecting tenants and a building’s long-term insurability.

How NYC Landlords Reduce Slip and Fall Risk

While all accidents can’t be avoided, property owners and managers can (and should) take several steps to help prevent slips, trips and falls.

Weather-Related Slip and Fall Risks in NYC Buildings

Wet and icy conditions are a leading cause of accidents and injuries.

To help prevent slips and falls during rainy weather, place absorbent mats and entrances, and make sure floor drains near entrances and doorways are clear.

During the winter, New York City Administrative Code states that “every owner, lessee, tenant, occupant or other person having charge of any lot or building must clean snow and ice from the sidewalks adjacent (i.e., in front of, on the side of, in back of) to their properties.” Depending upon the time a snowstorm ends, building owners have 4-14 hours to clear the snow. Not only does the city issue fines if snow isn’t removed in a timely fashion, but snow and ice also increase a landlord’s potential liability.

How Building Maintenance Affects Slip and Fall Liability

Property owners and managers should be proactive against potential hazards indoors by following these tips.

Keep building floors clean

Slick surfaces from inclement weather or occasional spills can lead to slips. Create and communicate a building plan for reporting, and responding to, hazardous conditions. Encourage staff and tenants to report any spills or wet or slippery spots. After cleaning, post signs that alert passersby that slippery conditions may exist. Wherever possible, upgrade to non-slip treads and textured surfaces in high-traffic areas.

Pay attention to stair safety

Stairs are among the most dangerous areas and should receive special attention. Make sure any non-slip protection, such as carpets and pads, are in good condition. If not, replace them—it’s much cheaper than a lawsuit. Also, regularly check railings to ensure they are securely anchored to walls and/or floors.

Regularly check for loose or missing handrails or uneven steps. Highlight edges of steps with contrast paint or reflective strips.

Install proper building lighting

Poor lighting often contributes to falls, especially on stairs and walkways. Replace burned-out bulbs promptly. Use lights with enough wattage to make sure obstacles can be clearly recognized. Consider installing motion-activated lights in areas where lights aren’t on all night.

Sidewalk and Exterior Slip and Fal Liability for Landlords

Building owners are responsible for the area around their buildings, including the sidewalks. Use these tips to keep the outside as accident-free as possible.

Maintain sidewalks

Snow and ice can make public walkways highly hazardous during the winter months. Sidewalk defects, such as cracks and tree roots, can cause injuries year-round. In fact, in New York City, insurance underwriters report that sidewalk liability claims exceed fire and water loss totals. Conduct sidewalk inspections at least twice per year, and document findings. Well-maintained sidewalks prevent falls and help keep insurance premiums in check.

Light the exterior of the property

As with interior lighting, ensure outdoor lighting is adequate. Replace burned out bulbs promptly. As mentioned earlier, consider motion-activated lights for additional safety.

How Slip and Fall Prevention Protects Insurance Coverage for NYC Landlords

Landlords should follow these practices year-round, indoor and outdoor, regardless of the weather.

Pick up clutter

Keep hallways, common areas, basements, laundry rooms and storage areas free from clutter to decrease the risk of trips and falls. The same applies to exterior clutter and trash as well.

Also, set and enforce a policy for managing packages and deliveries. Don’t let packages pile up and block entry ways and common areas.

Enlist community help

Make it easy for tenants—or visitors or delivery personnel—to report potential fall hazards. Post signs throughout the property with a phone number that people can call or text. Even if the building has a superintendent or property manager on site, other community members might spot an issue first. Consider adding tools for tenants to report issues, such as a QR code that links to a reporting form.

Inspect, correct and document

Overall, superintendents and landlords should conduct routine inspections, repairing any conditions that could cause falls, such as fraying carpet, leaks, exposed cords, and other tripping or slipping hazards.

Document these inspections with logs and checklists. Schedule daily, weekly and seasonal inspections and testing. If an issue arises, document the situation and remediation, including time-stamped photos.

In addition to keeping residents safe, these practices can improve your overall building profile and help you qualify for the best possible property insurance rates. Insurance companies are much more likely to raise rates or even deny coverage to landlords who aren’t diligent about keeping their building as safe as possible.

If you have any questions on improving your risk profile, please call our office at 877-576-5200 or request a free, no-obligation landlord insurance review.