Video surveillance is an important part of a business’s overall security strategy. Many businesses use surveillance systems to deter theft, monitor activity, such as the service of alcohol, and enhance employee and customer safety. When an incident occurs, video footage can also play a critical role in how a claim is evaluated and resolved.
However, simply installing cameras is not enough. How surveillance is used, maintained and preserved can directly impact claim outcomes.
The purpose and value of video surveillance can vary by business type. Understanding these differences can help businesses use their systems more effectively.
- Restaurants and bars
- Identify signs of visible intoxication
- Monitor safety in dining and bar areas
- Document slips, falls or altercations
- Review incidents occurring near entrances, exits and parking lots
- Retail stores
- Deter and document shoplifting or vandalism
- Monitor high-traffic areas and checkout stations
- Identify internal theft or fraudulent activity
- Manufacturing
- Monitor safety practices
- Document any accidents involving equipment or machinery
- Review incidents involving deliveries or loading docks
When properly implemented, surveillance systems can help deter incidents, reduce liability exposure, and strengthen claim defense.
Preserving surveillance footage is essential once a claim occurs — or when a claim is reasonably anticipated. Many systems automatically overwrite older recordings, which can result in the loss of critical evidence if action is not taken quickly.
Missing recordings, altered footage, or video that cuts out during key moments can raise concerns and negatively impact a claim. Failure to properly preserve footage may lead to spoliation allegations, potential penalties and increased claim costs.
As an insurance professional, it is invaluable to understand best practices of video surveillance from a loss control perspective so that you feel prepared during your day-to-day interactions with others. To help with this, you can access free resources on video surveillance through our Business Resource Center. These resources come free with every USLI policy, and we encourage you to share them with your clients.
- Preserving Video Surveillance
- Negligent Security — Implementing Security Measures for Your Business Location
Visit our Business Resource Center for regularly updated content that helps you stand out by delivering practical loss control solutions.
