As a business owner, your main focus is naturally on serving your customers and maximizing profits. However, you must also consider the need to protect your customers and your business from harm and possible legal litigation.
In addition to formulating rules to maximize safety, insurance and other contingency plans should be in place to deal with potential problems.
Source: https://www.entrepreneurshipsecret.com/in-the-know-business-liability-loss-prevention-and-claims/