Snow/Ice clearance and slip/fall risks Table 2: Defence of snow or ice related slip fall claims A non-exhaustive list of documents that would be beneficial in defending a civil claim and establishing that the business has taken reasonably practicable steps could include: • Snow/ice clearing policy and Risk Assessment. • Written Instructions to persons clearing snow/ice • Written warnings to Employees and members of public • Inspection logs • Invoices re salt/grit, shovels etc - to show that such products have been purchased to deal with the issue • Photographs following an accident • Statements from operatives who undertake the clearing work Local weather forecast print offs from internet for the date of the accident - to show the extreme weather conditions and low temperatures as a claim may not be made until months or years later. Businesses should be in no doubt that claimant solicitors will actively pursue personal injury claims caused by slips through ice and snow. There should be clear policies and records if the business is not to be seen as a ‘soft touch’. Disclaimer The information contained in this report is intended for the express purpose of assisting AIG in the underwriting of the subject insured’s risk exposures, property and/or operations and to assist in loss control activities. No warranty, guarantee, or representation, either expressed or implied, is made as to the correctness or sufficiency of any representation contained herein. In addition, this report may not address each and every possible loss potential, violation of any laws, rules or regulations, or exception to good practices and procedures.

The absence of comment, suggestion or recommendation on a given area does not mean the property or operation(s) is in compliance with all applicable laws, rules or regulations, is in conformation with good practices and procedures, or is without loss potential. No responsibility is assumed for the discovery and elimination of hazards which could possibly cause accidents or damage at any facility that is inspected. Reliance upon, or compliance with, any of the information, suggestions or recommendations contained herein in no way guarantees the fulfillment of your obligations under your insurance policy or as may otherwise be required by any laws, rules or regulations www.aig.com American International Group, Inc.

(AIG) is a leading international insurance organisation serving customers in more than 130 countries and jurisdictions. AIG is the marketing name for the worldwide property-casualty, life and retirement, and general insurance operations of American International Group, Inc. This material is for information purposes. Products and services are written or provided by subsidiaries or affiliates of American International Group, Inc.

and may not be available in every jurisdiction. For additional information, please visit our website at www.aig.com. Registered in England: company number 1486260. Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB AIG Europe Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. UC452105 Snow/Ice clearance and slip/fall risks 3 of 3 .