BY RICK HEIDMAN
A NY BUSINESS that invites customers onto its premises is
required to protect them from injury. Farm equipment dealers
are no different – you must protect visitors while they are
at your dealership.
Injuries to customers in equipment dealerships are quite rare. But
by customers to the parts area and shop area. Those areas have a great
potential to cause severe injury to someone who isn’t familiar with
How do you prevent access to restricted areas?
given the nature of your business, if an accident does occur the injuries The ﬁrst step is to post signs stating that only employees are allowed
have the potential to be serious. in these areas. Federated Insurance has signs that can be ordered free
Every business must protect against accidents, such as slips and of charge by our clients to satisfy this requirement. Posting these signs
falls, and your general housekeeping procedures will help protect you will prevent some customers from accessing restricted areas but not
against any accident from occurring. A more important concern for all customers.
your business is to prevent an injury or accident by restricting access The second step to restrict access to certain areas is to design your
front area in such a way that makes access difﬁcult. Add
swinging gates next to a counter or have entryways to the
shop or parts area located in a such a way that an employee
can monitor who goes where. These types of designs discour-
age easy access and also allow employees to monitor who is
accessing the areas.
…you must protect visitors while they are
at your dealership.
Lastly, for any prevention techniques, the critical
component of ensuring the success is to have employees
enforce the policies that you have created. Any effort will
not succeed if your employees ignore them or are not aware
of the policy. Train your employees about your policies and
remind them occasionally.
Sometimes customers need to access these areas. When
this occurs, ensure that an employee always accompanies the
customer to advise the visitor about any potential hazards.
What do you do if an accident occurs?
Your ﬁrst consideration is to attend to the injured person. First
aid should be provided and, if necessary, an ambulance should
be called. Secondly, to help protect you in the event that a
lawsuit is ﬁled, you should document the accident scene and
the conditions present. Filling out an accident report and, in
some instances, taking photographs of the scene will preserve
the details of the accident and could help keep the costs of a
Federated Insurance offers a resource to help you manage
your premises liability. It is available in Adobe Acrobat format
at www.federated.ca in the news section of our loss prevention
area. You can also order the booklet, which includes a sample
accident report form.
RICK HEIDMAN is a loss prevention program coordinator with Federated
Insurance in Winnipeg, Manitoba. He may be reached by calling 800/665-1934
or sending an email to firstname.lastname@example.org.
6 NAEDA EQUIPMENT DEALER March 2005