The situation
A customer slips near the entrance on a wet day and later alleges that the business failed to keep the area safe. Even when the injury initially appears minor, the customer may seek medical costs, lost income or other damages.
情境
下雨天，一名顧客在入口附近滑倒，之後指稱企業未有保持該處安全。即使傷勢最初看來輕微，顧客日後仍可能要求醫療費用、收入損失或其他賠償。
Immediate steps
Attend to the injured person and call emergency services when appropriate. Preserve video, photographs, cleaning and inspection records, witness names and a factual incident report. Notify the broker or insurer promptly. Avoid debating fault, speculating about the cause or offering payment at the scene.
事故後的即時處理
先照顧傷者，並在有需要時召喚緊急服務。保存閉路電視片段、照片、清潔及巡查記錄、目擊者資料和客觀的事故報告，並盡快通知保險經紀或保險公司。不要在現場爭論責任、猜測原因或自行承諾付款。
How CGL may respond
CGL may respond to covered allegations of third-party bodily injury by investigating the claim, providing a legal defence and paying covered damages up to the policy limit. The insurer will consider whether the business was legally liable; an incident on the premises does not automatically mean the business was negligent.
CGL 可能如何提供保障
若第三方人身傷害的指控屬於承保範圍，CGL 可能調查索賠、提供法律抗辯，並在保額內支付受保賠償。保險公司會評估企業是否依法須承擔責任；事故在營業場所發生，並不自動代表企業存在疏忽。
Prevention and documentation
Written inspection routines, entrance mats, warning signs, prompt spill cleanup, winter maintenance contracts and retained records can reduce hazards and help establish what happened. Ask whether landlords, property managers and contractors need to be added or addressed in your insurance arrangements.
預防措施與記錄
書面巡查程序、入口地墊、警告標誌、及時清理積水、冬季維護合同及妥善保存記錄，可降低風險並協助釐清事故經過。亦可向保險經紀查詢業主、物業管理公司及承包商是否需要納入或反映在保險安排中。