{"id":1569,"date":"2022-09-19T07:00:07","date_gmt":"2022-09-19T07:00:07","guid":{"rendered":"https:\/\/apptechllc.com\/?p=1569"},"modified":"2024-09-23T13:04:16","modified_gmt":"2024-09-23T13:04:16","slug":"clean-up-on-aisle-five","status":"publish","type":"post","link":"https:\/\/apptechllc.com\/clean-up-on-aisle-five\/","title":{"rendered":"Clean Up on Aisle Five"},"content":{"rendered":"

Supermarkets are often hard to insure. There are at least three reasons for that: First, the number of coverages they need can be daunting. Second, the number of employees (workers compensation) and customers (general liability) that have to be covered can be even more daunting. Third and most important, the sheer number of claims they may incur and have to manage can be downright terrifying. If you think that sounds odd, consider just these four sources of claims:<\/p>\n

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  1. Slips and falls. Whether those slips and falls occur inside the store from spills and wet spots \u2014 or outside the store from ice, snow, and cracks or other defects in walking surfaces \u2014 the supermarket could have to manage claims for\u00a0injuries to knees, ankles, hips, elbows, or skulls.<\/li>\n
  2. Injuries to employees from loading, unloading, and other lifting tasks. Those kinds of tasks can lead to back strains, other muscle strains, tendon and ligament injuries, and more.<\/li>\n
  3. Injuries to employees from cleaning and other equipment. Floor polishing machines and industrial vacuums can cause scrapes, lacerations, muscle strains, and other injuries.<\/li>\n
  4. Spoilage from power outages or other reasons. Storms and aging power grids can cause power failures resulting in the loss of perishable inventory.<\/li>\n<\/ol>\n

    In any of those situations, the attendant claims have to be managed and adjudicated.<\/p>\n

    Claim Management Solution For Supermarkets<\/span><\/h2>\n

    To manage all those (types of) claims, you can record, manage, and adjudicate each claim separately. If you do, you\u2019ll learn what your loss costs are, but you won\u2019t be able to connect many dots.<\/p>\n

    Alternatively, if you adopt a flexible platform that constitutes one source for all of your claims information and gives you a disciplined process and workflow, you\u2019ll be able to:<\/p>\n