There are many ways you can minimize risk in ways that do not require a large portion of your budget. You can reduce risk by:
Maintaining a safe work environment
Clearly mark dangerous areas, such as wet floors or work areas. Keep equipment in good working order. Follow all OSHA requirements. Keep all work areas clean and free of debris.
Training employees
You should provide safety training for new employees as well as ongoing training for current employees. Training materials should be readily available at all times for reference. You should use signage to remind your employees of safety expectations if needed.
Provide excellent customer service
Happy customers are less likely to take you to court over minor issues. They may also be more willing to sign a Release of Liability.
Improve your security
Increasing your security may cost a bit of money, and it is something that you likely should be doing anyway. Install automatic lights, security cameras, and keypad entry devices.