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How can you reduce tenant injury risks on your property?

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As a property owner, you have a legal and moral responsibility to ensure the safety of your tenants. Tenant injuries can result in costly lawsuits, damage claims, and loss of reputation. Moreover, they can harm your relationship with your tenants and affect your occupancy rate. Therefore, it is essential to take proactive measures to reduce tenant injury risks on your property. Here are some tips to help you do that.

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1 Inspect and maintain your property regularly

One of the best ways to prevent tenant injuries is to keep your property in good condition. This means inspecting and maintaining all the structural, electrical, plumbing, heating, cooling, and security systems regularly. You should also check for any hazards such as loose railings, broken stairs, cracked sidewalks, slippery floors, or faulty locks. Fix any issues as soon as possible and keep records of your repairs. By doing so, you can avoid potential accidents and show that you care about your tenants' well-being.

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John Burkhalter, CRIS, RCIP

Insurance Advisor at Higginbotham | Enterprise Risk Management
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Identify key areas within the establishment that have caused issues in the past or even "near miss" accidents that could have been worse. Overly label and point out problem areas or hazards.

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2 Communicate and educate your tenants

Another important step to reduce tenant injury risks is to communicate and educate your tenants about the safety rules and procedures on your property. You should provide clear and visible signs, warnings, and instructions for using the common areas, amenities, and equipment. You should also inform your tenants about any maintenance or repair work that may affect their access or safety. Additionally, you should educate your tenants about their rights and responsibilities, such as reporting any problems, keeping their units clean and clutter-free, and following the fire and emergency plans.

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John Burkhalter, CRIS, RCIP

Insurance Advisor at Higginbotham | Enterprise Risk Management
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Evaluate every hazard with a mindset of what would happen if someone sued me and a jury was set to observe if I did everything in my power to avoid the injury. Unfortunately, the current landscape across the US is to punish corporations and pay out large settlements when said company is identified as having "deep pockets."

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3 Implement security measures

Security is a key factor in preventing tenant injuries, especially from criminal acts such as theft, vandalism, or assault. You should implement security measures such as installing locks, cameras, alarms, and lighting on your property. You should also monitor and control the access of visitors, contractors, and service providers. Furthermore, you should encourage your tenants to take precautions such as locking their doors and windows, keeping valuables out of sight, and reporting any suspicious activity.

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John Burkhalter, CRIS, RCIP

Insurance Advisor at Higginbotham | Enterprise Risk Management
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We are now seeing third-party security personnel being hired as a means of further protecting tenants. Keep in mind that these security professionals can also create a claim themselves. Assault and battery are often excluded from multifamily insurance policies, so make sure you have A/B endorsed or included in the first place.

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4 Provide adequate insurance coverage

Despite your best efforts, tenant injuries may still occur on your property. Therefore, you should provide adequate insurance coverage to protect yourself and your tenants from the financial and legal consequences. You should have a landlord insurance policy that covers your liability for property damage and personal injury caused by your negligence or failure to maintain your property. You should also require your tenants to have a renter's insurance policy that covers their liability for property damage and personal injury caused by their negligence or actions.

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5 Seek professional advice

Finally, you should seek professional advice from experts in the real estate industry, such as lawyers, accountants, property managers, and insurance agents. They can help you understand the laws and regulations that apply to your property, the best practices and standards for safety and maintenance, and the options and costs for insurance coverage. They can also help you handle any claims or disputes that may arise from tenant injuries.

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6 Here’s what else to consider

This is a space to share examples, stories, or insights that don’t fit into any of the previous sections. What else would you like to add?

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How can you reduce tenant injury risks on your property?

1

2

3

4

5

6

1 Inspect and maintain your property regularly

2 Communicate and educate your tenants

3 Implement security measures

4 Provide adequate insurance coverage

5 Seek professional advice

6 Here’s what else to consider

Real Estate

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How can you reduce tenant injury risks on your property?

1

2

3

4

5

6

1 Inspect and maintain your property regularly

2 Communicate and educate your tenants

3 Implement security measures

4 Provide adequate insurance coverage

5 Seek professional advice

6 Here’s what else to consider

Real Estate

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