Slip, trip, and fall incidents rank among the leading causes of workplace injuries in manufacturing facilities. These seemingly simple accidents account for approximately 25% of all reported injury claims and result in an average of 11 days away from work per incident. The consequences extend far beyond the immediate injury—workers' compensation costs, OSHA citations, production disruptions, and potential litigation can devastate a manufacturing operation's bottom line. The good news? Most slip, trip, and fall hazards are entirely preventable with systematic identification, proper controls, and a culture of awareness. This comprehensive guide covers everything manufacturers need to implement an effective slip, trip, and fall prevention program that protects workers and reduces costly incidents.

25%Of All Manufacturing Injuries
$50KAverage Cost Per Incident
11Average Days Away From Work
85%Are Preventable

The True Cost of Slips, Trips, and Falls

Many manufacturers underestimate the financial impact of slip, trip, and fall incidents because individual accidents often seem minor compared to catastrophic machinery injuries. However, the cumulative cost is staggering. According to the National Safety Council, the average workers' compensation claim for a fall on the same level exceeds $50,000 when factoring in medical expenses, lost wages, and indirect costs. Falls to a lower level average more than $95,000 per incident.

Beyond direct costs, slip and fall incidents create ripple effects throughout operations. Experienced workers miss shifts, requiring overtime or temporary replacements who may be less efficient or productive. OSHA inspections triggered by serious incidents can uncover additional violations. Morale suffers when employees witness preventable injuries, and recruitment becomes harder when word spreads about safety problems.

Insurance implications compound these challenges. Facilities with elevated slip and fall claims face higher experience modification rates, which directly increase workers' compensation premiums. Claims history follows your business for years, making prevention far more cost-effective than reaction. Every dollar invested in slip, trip, and fall prevention typically returns four to six dollars in avoided costs.

The most expensive fall is the one that could have been prevented. For every dollar spent on prevention, companies save four to six dollars in direct and indirect costs from avoided incidents.

— National Safety Council

Understanding the Full Cost Picture

Cost Category Examples Typical Range
Direct Medical Costs Emergency care, hospitalization, surgery, physical therapy, ongoing treatment $10,000 - $100,000+
Wage Replacement Lost time payments, temporary disability benefits, permanent disability $5,000 - $50,000+
Administrative Costs Claim management, investigation time, documentation, legal review $2,000 - $10,000
Production Impact Line stoppage, overtime to cover absence, reduced output, quality issues $5,000 - $25,000
Training and Replacement Temporary worker training, recruitment if permanent disability $3,000 - $15,000
Insurance Impact Premium increases, experience mod effects lasting 3+ years $10,000 - $50,000+ annually

OSHA Citation Risk

Slip, trip, and fall hazards frequently result in OSHA citations under the Walking-Working Surfaces standard (29 CFR 1910.22) and the General Duty Clause. Penalties for serious violations can exceed $15,000 per instance, with willful violations reaching $156,000 or more. Beyond fines, citations create a documented history that can complicate future inspections and litigation defense.

Common Causes in Manufacturing Environments

Manufacturing facilities present unique slip, trip, and fall challenges that differ from office or retail environments. Heavy machinery, industrial processes, material handling, and production demands create hazards that require specialized prevention approaches. Understanding these causes is the first step toward systematic prevention.

Slips occur when there's insufficient friction between footwear and the walking surface. In manufacturing, this commonly results from wet or oily floors, dust accumulation, loose debris, and contaminated surfaces. Trips happen when a person's foot contacts an object or uneven surface unexpectedly, and manufacturing floors are full of potential trip hazards: cords, hoses, pallets, uneven joints, and equipment thresholds. Falls can result from either slips or trips, or from unstable positioning while reaching, climbing, or carrying loads.

Primary Hazard Categories in Manufacturing

Slip Hazards

  • Oil and lubricant spills from machinery
  • Water from cleaning, leaks, or condensation
  • Coolant and cutting fluids
  • Dust, powder, and fine particles
  • Polished or worn floor surfaces
  • Wet weather tracked indoors
  • Food or beverage spills in break areas
  • Ice in loading dock areas

Trip Hazards

  • Extension cords and air hoses across walkways
  • Uneven floor surfaces and joints
  • Raised thresholds and dock plates
  • Pallets and packaging materials
  • Tools and equipment left in walkways
  • Open drawers and cabinet doors
  • Loose floor mats and rugs
  • Damaged flooring and potholes

Fall Hazards

  • Elevated platforms without guardrails
  • Ladders and mobile stairs
  • Loading dock edges
  • Floor openings and pits
  • Mezzanines and catwalks
  • Climbing on machinery or racking
  • Unstable work surfaces
  • Stairs with inadequate handrails

High-Risk Zones in Manufacturing Facilities

Loading Docks

Exposed edges, weather conditions, uneven surfaces between trucks and docks, and high traffic create multiple hazards. Dock plates shift, rain creates slick surfaces, and rushing increases risk.

Very High Risk Machine Areas

Coolant overspray, lubricant drips, metal chips on floors, and air hoses crossing walkways create constant hazards. Operators focused on production may not notice floor conditions.

High Risk Storage and Warehouse Areas

Pallets, shrink wrap debris, spilled product, forklift traffic, and poor lighting combine to create hazardous conditions. Materials staged in aisles obstruct safe walking paths.

High Risk Entrances and Transition Areas

Weather tracked inside creates slippery conditions. Mat edges cause trips. Lighting changes between outdoors and indoors affect visibility. Temperature differences cause condensation.

Moderate Risk Restrooms and Break Rooms

Water on floors near sinks, spilled beverages, food debris, and wet tracked from outdoors create slip hazards in areas where employees may be less focused on safety.

Moderate Risk Maintenance and Utility Areas

Mechanical rooms, electrical rooms, and maintenance shops often have exposed pipes, uneven surfaces, poor lighting, and temporary repairs that create persistent hazards.

Moderate Risk

Human Factors Multiply Risk

Physical hazards become far more dangerous when combined with human factors: rushing to meet deadlines, carrying loads that obstruct vision, fatigue near shift end, distraction from phones or conversations, and unfamiliarity with the environment. Effective prevention programs address both physical hazards and the behaviors that increase exposure to them.

Walking and Working Surface Assessment

Systematic assessment of walking and working surfaces forms the foundation of any slip, trip, and fall prevention program. OSHA's Walking-Working Surfaces standard (29 CFR 1910.22) requires employers to ensure floors in work areas are kept clean, dry, and free of hazards. Meeting this requirement demands regular inspection, prompt correction, and ongoing monitoring of floor conditions throughout the facility.

Assessment should identify both permanent hazards built into the facility design and transient hazards that develop during operations. Permanent hazards include uneven surfaces, inadequate drainage, poor lighting, and surface materials inappropriate for the environment. Transient hazards include spills, debris, temporary obstructions, and weather-related conditions. Both categories require different prevention approaches.

Surface Conditions

Evaluate flooring materials, wear patterns, damage, drainage, and slip resistance ratings for each area

Foundation of Prevention

Housekeeping Standards

Establish cleaning schedules, spill response protocols, and accountability for maintaining conditions

Daily Prevention

PPE and Footwear

Specify appropriate slip-resistant footwear for each work area based on hazard assessment

Personal Protection

Walking Surface Inspection Checklist

Floor Surface Conditions

  • Surfaces are level without unexpected elevation changes
  • No cracks, holes, or damaged areas
  • Joints between surfaces are flush or properly ramped
  • Floor coatings are intact without peeling or bubbling
  • Drainage grates are flush with surrounding surface
  • Metal plates and covers are secured and slip-resistant
  • Carpet and mats lay flat without curled edges
  • Surfaces appropriate for conditions (wet, oily, etc.)

Contamination and Debris

  • No standing water or wet spots
  • No oil, grease, or lubricant accumulation
  • No dust, powder, or fine particle buildup
  • No loose materials, debris, or trash
  • Spill cleanup materials readily available
  • Drip pans under leaking equipment
  • Adequate matting at entrances
  • Cleaning schedule posted and followed

Obstructions and Hazards

  • Walkways clear of materials and equipment
  • Cords and hoses routed away from walking paths
  • Aisles marked and maintained at required width
  • No objects stored in walking areas
  • Pallets staged only in designated areas
  • Equipment does not protrude into walkways
  • Drawers and doors kept closed
  • Temporary hazards properly marked

Elevated Surfaces and Stairs

  • Guardrails installed where required (4+ feet)
  • Stair treads in good condition with slip resistance
  • Handrails secure on both sides of stairs
  • Ladder safety devices functional
  • Platform surfaces slip-resistant
  • Floor openings guarded or covered
  • Dock edges clearly marked
  • Adequate clearance around elevated areas

Surface Slip Resistance Standards

Slip resistance is measured by the coefficient of friction (COF) between the walking surface and footwear. Higher COF values indicate better slip resistance. OSHA doesn't specify exact COF requirements, but industry standards recommend a minimum static COF of 0.5 for level surfaces and 0.6 or higher for ramps and areas frequently exposed to contaminants. Testing should be conducted under both dry and wet conditions.

Sealed Concrete

  • Standard industrial flooring option
  • Adequate when dry, slippery when wet/oily
  • Consider textured sealers for wet areas
  • Regular cleaning prevents buildup
  • Repair cracks and spalling promptly

Epoxy and Resin Coatings

  • Excellent chemical resistance
  • Can be slippery—specify aggregate additives
  • Color coding available for zones
  • Requires proper preparation and application
  • Recoat when wear reduces slip resistance

Metal Surfaces

  • Common on platforms, stairs, dock plates
  • Extremely slippery when wet or oily
  • Require anti-slip treads or coatings
  • Grating provides drainage and traction
  • Inspect for corrosion and coating wear

Anti-Fatigue Matting

  • Reduces fatigue at standing workstations
  • Must be properly secured—curled edges trip
  • Select drainage style for wet areas
  • Replace when compressed or damaged
  • Clean underside regularly

Slip Resistance Testing

Consider professional slip resistance testing for high-traffic or high-risk areas. Tribometers and other testing devices measure actual COF values under controlled conditions. Testing both dry and contaminated surfaces reveals how floors perform under realistic conditions. Results guide surface selection, coating decisions, and footwear requirements for each area.

Housekeeping Programs That Work

Housekeeping is the single most important factor in preventing slip, trip, and fall incidents. The best floor surfaces and footwear can't compensate for poor housekeeping. Effective programs go beyond occasional cleaning to establish clear standards, assign responsibility, and create accountability for maintaining safe conditions throughout the facility.

Successful housekeeping programs integrate cleaning into daily operations rather than treating it as a separate activity. When employees understand that maintaining their work area is part of their job—not extra work—conditions improve dramatically. This requires management commitment, adequate resources, and consistent enforcement.

Core Elements of Effective Housekeeping Programs

Clear Standards

  • Define what "clean" means for each area
  • Specify acceptable conditions by work zone
  • Post visual standards showing expectations
  • Establish cleanup frequency requirements
  • Document standards in written procedures
  • Review and update standards annually

Assigned Responsibility

  • Assign specific areas to specific people
  • Include housekeeping in job descriptions
  • Post responsibility maps showing ownership
  • Clarify expectations for shared areas
  • Designate backup coverage for absences
  • Include in shift handover procedures

Adequate Resources

  • Provide appropriate cleaning supplies
  • Locate supplies conveniently near work areas
  • Maintain adequate waste containers
  • Ensure proper disposal options available
  • Budget for floor maintenance and repair
  • Schedule time for cleaning activities

Accountability Systems

  • Conduct regular housekeeping inspections
  • Score areas and track trends over time
  • Recognize good performance publicly
  • Address deficiencies promptly
  • Include in performance evaluations
  • Tie incentives to housekeeping metrics

Daily, Weekly, and Deep Cleaning Schedules

Frequency Activities Responsibility
Continuous Immediate spill cleanup, debris removal from walkways, reporting hazards All employees in work area
Each Shift Workstation cleanup, waste container emptying, walkway inspection, mat adjustment Area operators and shift teams
Daily Floor sweeping/mopping, restroom cleaning, entrance mat service, trash removal Cleaning staff or designated employees
Weekly Detailed floor cleaning, drain flushing, mat deep cleaning, outdoor area maintenance Maintenance or janitorial staff
Monthly Floor scrubbing, coating inspection, grate cleaning, drainage system check Maintenance department
Quarterly Floor recoating as needed, slip resistance testing, comprehensive assessment Maintenance and safety team

The "Clean as You Go" Culture

The most effective housekeeping programs embed cleaning into work habits rather than treating it as a separate task. When operators wipe up drips before they spread, pick up debris when they see it, and return tools immediately after use, conditions stay consistently safe. This "clean as you go" approach prevents hazard accumulation and reduces the burden of end-of-shift cleanup.

Spill Prevention and Response Protocols

Spills represent one of the most common and dangerous slip hazards in manufacturing facilities. Liquids on floors—whether water, oil, coolant, or chemicals—dramatically reduce friction and create immediate fall risks. Effective spill management requires both prevention strategies to minimize spills and rapid response protocols to address spills that do occur.

Prevention focuses on containing liquids at the source through proper equipment maintenance, appropriate containment, and process controls. Response focuses on immediate hazard identification, area protection, and efficient cleanup. Both elements must work together—prevention reduces frequency while response limits exposure when spills occur.

Immediate Spill Response Protocol

1 STOP & ALERT

Stop the source if safe, alert nearby workers, keep others away from the area

2 MARK & WARN

Place wet floor signs, caution tape, or barriers around the spill perimeter

3 CONTAIN & ABSORB

Use appropriate absorbents to prevent spreading, work from edges inward

4 CLEAN & VERIFY

Remove all residue, verify surface is dry and safe before removing signs

Spill Prevention Strategies

  • Equipment maintenance: Fix leaks promptly—dripping equipment creates ongoing slip hazards. Implement preventive maintenance schedules that include leak inspection. Replace worn seals, gaskets, and fittings before they fail.
  • Secondary containment: Install drip pans under equipment that uses or produces liquids. Use containment trays for chemical storage. Ensure containment is sized to hold potential spill volumes.
  • Proper transfer procedures: Use appropriate containers, funnels, and pumps when moving liquids. Avoid overfilling. Ensure container compatibility with contents. Never rush liquid transfers.
  • Strategic drainage: Install floor drains in areas where liquids are used. Ensure drains function properly and don't become clogged. Slope floors toward drains where practical.
  • Absorbent placement: Position spill kits and absorbent materials where spills are most likely. Ensure employees know locations and proper use. Replenish supplies promptly after use.

Cleaning Can Create Hazards

Mopping and floor scrubbing temporarily create slip hazards by wetting the floor. Schedule wet cleaning during low-traffic periods when possible. Always use wet floor signs during and after cleaning until surfaces are completely dry. Consider using walk-off mats during cleaning to create safe paths through wet areas. Never assume employees will notice wet floors—visible warning is essential.

Absorbent Selection Guide

Absorbent Type Best For Considerations
Universal Absorbents Water, coolants, most non-aggressive liquids Most common choice, economical, works on oils when water not present
Oil-Only Absorbents Petroleum products, lubricants, fuels Repels water, floats—ideal for outdoor use or water-contaminated areas
Hazmat Absorbents Acids, caustics, aggressive chemicals Chemical-resistant materials, may require special disposal
Loose Absorbents Large spills, irregular surfaces Can be swept after absorption, creates secondary cleanup needs
Absorbent Pads/Rolls Small spills, under leaking equipment Easy to place and remove, minimal residue, can be pre-positioned
Absorbent Socks/Booms Containing spreading spills, creating barriers Prevents spread while cleanup proceeds, protects drains

Proper Footwear and PPE Requirements

Footwear selection significantly impacts slip, trip, and fall risk. Slip-resistant footwear can reduce slip-related falls by up to 50% in high-risk environments. However, "slip-resistant" is not a universal standard—different sole materials and tread patterns perform differently on various surfaces and contaminants. Selecting appropriate footwear requires matching shoe specifications to actual workplace conditions.

Beyond slip resistance, footwear must be appropriate for other workplace hazards. Safety-toe protection, metatarsal guards, electrical hazard ratings, and puncture resistance may all be required depending on the work environment. The best slip-resistant shoe provides no value if it doesn't also protect against other present hazards.

Slip Resistance Rating

Look for shoes tested to ASTM F2913 or equivalent standards with documented coefficient of friction on oily and wet surfaces

Safety Toe Protection

ASTM F2413 rated steel, composite, or aluminum toes where impact and compression hazards exist

Electrical Hazard Rating

EH-rated soles that resist electrical shock where exposure to live circuits is possible

Tread Pattern and Sole Material Selection

The interaction between sole material, tread pattern, and floor surface determines actual slip resistance. Soft rubber compounds generally provide better grip than hard materials but wear faster. Deep tread channels water and contaminants away from the contact surface but can fill with debris. The best choice depends on your specific floor surfaces and contamination types.

Work Environment Recommended Sole Features Notes
Wet Floors (Water) Soft rubber compound, moderate tread depth, channels for water displacement Tread pattern matters most for channeling water
Oily/Greasy Floors Oil-resistant rubber, fine tread pattern, soft durometer Soft soles "squeegee" oil; avoid deep treads that trap grease
Metal Grating Flat sole with minimal tread, soft rubber Deep treads catch on grating edges—flat soles maximize contact
Dusty/Powder Areas Moderate tread, easy-to-clean channels Powder acts like ball bearings; regular cleaning essential
Cold Storage/Ice Deep aggressive tread, soft rubber that stays flexible in cold Standard rubber hardens in cold; specify cold-rated materials
Multi-Surface Areas Balanced tread design, medium-soft compound Compromise design when conditions vary; may not be optimal for any

Worn Soles Lose Slip Resistance

Slip-resistant footwear loses effectiveness as soles wear. Establish replacement criteria based on tread depth and visual inspection. Many manufacturers recommend replacement when tread depth falls below 2mm. Implement a footwear inspection program to identify worn shoes before they cause incidents. Consider providing employees a footwear allowance to ensure regular replacement.

Footwear Program Best Practices

  • Specify requirements by area: Different work zones may require different footwear specifications. Document requirements and post them visibly at zone entrances.
  • Provide approved options: Give employees a list of pre-approved footwear that meets your specifications. Consider arranging vendor partnerships for employee discounts.
  • Verify compliance: Include footwear inspection in safety audits. Check that employees are wearing approved footwear and that it's in acceptable condition.
  • Support replacement: Provide allowances or subsidies for safety footwear. The cost is minimal compared to injury expenses, and it removes financial barriers to proper PPE.

Lighting, Signage, and Visual Cues

Adequate lighting is essential for hazard recognition. Workers can't avoid hazards they can't see. Poor lighting contributes to slip, trip, and fall incidents by making floor conditions, elevation changes, and obstacles difficult to perceive. OSHA requires sufficient illumination for safe work, though specific requirements vary by task and location.

Beyond general illumination, visual cues help workers navigate safely by highlighting hazards, marking safe paths, and warning of temporary conditions. Strategic use of color, contrast, and signage makes hazard recognition automatic rather than requiring conscious attention that may be focused on work tasks.

1

General Manufacturing Areas

Production floors, assembly areas, and general workspaces require adequate illumination to see floor conditions, read labels, and perform work safely. Shadows from equipment can create dark zones that hide hazards.

Minimum 300 lux (30 foot-candles) 2

Walkways and Aisles

Designated walking paths need consistent lighting without dark spots. Changes in lighting levels should be gradual. Stairs require specific attention to illuminate treads and risers clearly.

Minimum 100 lux (10 foot-candles) 3

Storage and Warehouse Areas

Areas between racking, near dock doors, and in corners often have inadequate lighting. Workers looking up at shelving may not notice floor hazards in dim light.

Minimum 100 lux (10 foot-candles) 4

Exterior Areas

Parking lots, loading docks, and walkways need sufficient lighting during dark hours. Weather conditions like rain and fog reduce visibility and require additional consideration.

Minimum 50 lux (5 foot-candles)

Visual Warning Systems

Signs, floor markings, and color coding provide critical warnings about hazards. Effective visual warnings are noticeable, understandable, and consistent throughout the facility. OSHA requires specific signs for certain hazards, but additional voluntary signage can significantly improve hazard awareness.

Visual Cue Application Best Practices
Wet Floor Signs Temporary wet conditions from spills or cleaning Position to be visible before entering area; remove when dry; maintain adequate supply
Floor Tape/Paint Walkway boundaries, hazard zones, equipment areas Use consistent colors throughout facility; maintain marked lines; OSHA yellow for caution
Step Edge Markings Stairs, ramps, and elevation changes High-contrast color on leading edge; maintain visibility; replace when worn
Obstacle Markings Posts, columns, low-hanging objects Yellow/black striping for impact hazards; maintain visibility; consistent application
Caution Signs Permanent hazards like slopes, steps, uneven surfaces Place at eye level; use symbols and text; position before hazard
Mirror and Visibility Aids Blind corners, intersections, dock doors Position for optimal viewing angle; keep clean; adequate size for viewing distance

Transition Zone Lighting

Moving from bright to dark areas (or vice versa) temporarily reduces visual acuity while eyes adjust. Design lighting to provide gradual transitions rather than abrupt changes. At building entrances, covered transition areas allow eyes to adjust before workers encounter indoor conditions. This is especially important for forklift operators and others moving between environments.

Training and Culture: Sustaining Prevention

Physical controls and engineering solutions form the foundation of slip, trip, and fall prevention, but lasting success requires human factors: awareness, behaviors, and culture. Training ensures employees understand hazards and know how to work safely. Culture determines whether they consistently apply that knowledge in daily operations.

Effective training goes beyond annual compliance sessions to include job-specific hazard awareness, proper techniques for common tasks, and clear expectations for hazard reporting and response. When combined with visible management commitment and peer accountability, training translates into sustained prevention.

Essential Training Topics

  • Hazard recognition: Teach employees to actively scan for floor hazards, recognize dangerous conditions, and understand why specific situations create risk. Use real facility examples.
  • Safe walking techniques: Take shorter steps on slippery surfaces, keep hands free for balance, avoid carrying loads that block vision, slow down when conditions warrant.
  • Spill response: Immediate actions when discovering spills, proper use of warning signs and absorbents, when and how to report incidents.
  • Housekeeping responsibilities: Specific duties for maintaining work areas, cleaning frequencies, proper storage to keep walkways clear.
  • Ladder and stair safety: Three-point contact, facing the ladder, inspection before use, proper setup and securing.
  • Hazard reporting: How to report hazards, who to contact, expectation that all employees report conditions they can't immediately correct.

A safety culture exists when employees choose to do the safe thing even when no one is watching. It develops when management demonstrates genuine commitment, employees feel ownership of safety, and reporting hazards is encouraged rather than punished.

— Safety Culture Principles

Building a Prevention Culture

Culture is shaped by what leaders pay attention to, what gets rewarded, and what gets tolerated. Manufacturing operations that successfully prevent slip, trip, and fall incidents share common cultural elements that reinforce safe behaviors and maintain vigilance over time.

Cultural Element Characteristics How to Develop
Leadership Commitment Managers actively participate in safety activities, address hazards promptly, and hold themselves accountable Visible safety leadership, participating in inspections, immediate response to reported hazards
Employee Involvement Workers participate in safety committees, hazard identification, and solution development Safety committees with real authority, employee suggestion programs, recognition for contributions
Open Communication Employees feel comfortable reporting hazards and near-misses without fear of blame or retaliation No-blame reporting systems, visible response to reports, celebrating good catches
Continuous Improvement Organization constantly seeks to improve conditions rather than accepting status quo Regular assessments, trend analysis, acting on leading indicators
Peer Accountability Employees look out for each other and address unsafe conditions or behaviors Training in peer coaching, positive reinforcement for intervention, team-based metrics

Near-Miss Reporting as Leading Indicator

Every slip that doesn't result in a fall, every trip that's recovered, and every "close call" represents an opportunity to prevent a future injury. Organizations that actively encourage and track near-miss reports identify hazards before they cause harm. A healthy near-miss reporting rate indicates employees are engaged in prevention and comfortable communicating concerns.

Partnering for Safer Facilities

Slip, trip, and fall prevention requires sustained attention to facility conditions, employee behaviors, and organizational culture. The strategies outlined in this guide provide a comprehensive framework for reducing these common but preventable injuries. Implementation success depends on commitment at all levels, adequate resources, and consistent follow-through.

Start with a thorough assessment of your current conditions, identifying high-risk areas and prioritizing improvements with the greatest impact. Establish clear housekeeping standards and accountability systems. Ensure appropriate footwear requirements match actual work conditions. Train employees not just on rules but on hazard recognition and safe behaviors. Most importantly, create a culture where everyone takes ownership of floor safety.

First Underwriters provides comprehensive support for manufacturers implementing slip, trip, and fall prevention programs. Our risk management specialists can conduct facility assessments, review your current programs, and recommend practical improvements tailored to your operations. Combined with competitive workers' compensation coverage and claims management expertise, we help manufacturers protect their most valuable asset—their people—while controlling insurance costs.