Florida Pool Pro
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• October 2014
19
agreement with your customers, does it make any reference to your company
providing any “inspection” of pool equipment or the pool area? If you do,
you may be taking on more liability than you should. Seek advice form your
company attorney. Also, please be sure your field techs advise both you and
your customer of any safety deficiencies noted at a customers’ home or work
site. We suggest you also do so by certified mail or at least in writing. We
have seen attorneys not only claim you responsible for acts of omission in
causing an injury but also acts of omission where you could and should have
said something. Broken latches on pool doors and gates which make access
to the pool easy is a big one. Please cover yourself and document your file
that you have brought these items to the attention of your customer.
Automobile
Defensive driving: I bet we could eliminate two thirds of our auto claims (at
fault) if we could train drivers to allow more distance between their vehicle and
the one in front of them. These are the big money ticket claims too; the ones
which can ruin your good loss ratio fast. Our roads are getting busier every
day. We see more drivers some of which are good, responsible and courteous
while others seemingly don’t have a clue. When was the last time you did
some defensive driving training or even discussed it in a safety meeting?
The best suggestion we can give you is to have an active safety program.
Analyze and discuss potential exposures to claims and hazards to injuries with
your staff and crew. Review and implement procedures to help reduce and
prevent future claims and injuries. If there is anything we at Insurance by Ken
Brown can do to assist with this in any way, please let us know.
