Occupiers’ Liability exposure comes from slips and falls due to public access to the premises. As customer safety and security are very important, the bank may have one or more armed security guards on duty while it is open. All employees must be trained in proper procedures during a holdup to minimize the possibility of violence to or kidnap of customers. Floors, stairs, and elevators need to be in good condition, with steps and uneven floor surfaces prominently marked. Emergency lighting, well-marked exits, and proper egress, as well as interior and exterior security while going to and from the premises, are important. Parking lots and sidewalks need to be in good repair with snow and ice removed, and generally level and free of exposure to slips and falls. There should be security in the parking lot equal to or better than the surrounding premises. If the business is open after dark, such as for access to ATM machines or deposit boxes, lighting must be adequate.
Personal injury exposure arises from breaches of customers’ privacy and confidentiality of their financial records and the apprehension of suspected robbers. The use of closed-circuit camera systems prevents such incidents from evolving into a “he said she said” situation. Employees must be trained to handle such situations properly.