Proper sidewalk maintenance during winter is essential for both public safety and risk management. Snow and ice accumulation can lead to slips, falls, and injuries — resulting in potential liability claims against property owners or municipalities. Consistent upkeep not only protects pedestrians but also demonstrates compliance with local bylaws and organizational policies.
Policy Compliance
- Awareness: Review both municipal bylaws and any internal policies regarding snow and ice removal timelines and standards.
- Responsibility: Ensure designated staff or contractors understand their obligations for clearing sidewalks adjacent to properties.
- Documentation: Keep records of maintenance activities, including dates, times, and conditions, to show due diligence in case of a claim.
Proper Snow and Ice Removal
- Timeliness: Remove snow promptly after accumulation, ideally within the timeframe mandated by local regulations.
- Technique: Utilize and train staff on key tips and effective techniques, including:
- Shovel or plow sidewalks to full width.
- Apply sand or approved ice melt to reduce slipperiness.
- Monitor for refreezing after thaw cycles.
- Equipment: Ensure your team is ready by maintaining shovels, snow blowers, and de-icing supplies for quick deployment. Also ensure security cameras are pointed to high traffic areas and operable.
Claims Mitigation
- Prevention: Regular inspections during winter storms and freeze-thaw cycles will help to identify hazards early.
- Signage: Use caution signs in high-traffic areas until surfaces are fully cleared.
- Reporting: If an accident does occur, document conditions immediately, photograph the scene, gather names and full contact information of any injured parties and witnesses, and then notify your supervisor and RMA at claims@rmainsurance.com
Proactive sidewalk maintenance is a critical component of winter safety. It reduces injury risk, ensures compliance, and protects against costly liability claims. Find a checklist resource below that may assist in your winter sidewalk efforts. If you have any questions, please contact your RMA Risk Advisor at risk@rmainsurance.com.