By Canoe Insurance
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.
To support your winter sidewalk maintenance efforts, the Canoe Insurance team has put together a staff duties checklist. Download the checklist here.
If you have any questions, please contact jonathan@canoeinsurance.ca.