Whether you own a home or business, you have certain legal responsibilities and an obligation to ensure that anyone who may find themselves on your property is reasonably safe.

Much like parents would babyproof their home, take the time to carefully inspect your property for potential slip and fall hazards, and do what you can to prevent injuries.

• Keep up with snow and ice removal on and around your property.
  
  
• Make sure there’s enough lighting, especially in stairwells.
  
  
• Repair or replace loose or missing handrails.
  
  
• Smooth out surfaces in damaged or uneven parking areas, walkways or steps.
  
  
• Repair or replace floor coverings such as loose tile or ripped carpet.
  
  
• Keep washroom areas and decks around hot tubs or pools clean and dry.

Learn more about home insurance from The Co-operators.