Fall and Winter Seasons bring new fire safety concerns to businesses. It’s important to take the time to recognize the increase in fire risks to your business and ensure employees are properly trained in all safety precautions. Space heaters With cooler temperatures settling in, you may find your workspace is struggling to find the perfect temperature for everyone. As a solution, your businesses may allow personal space heaters to be used. If you allow space heaters it is important to remind employees not to place anything on the heater and that they need to be plugged directly into an outlet, not a power strip. Power strips have been known to overheat when connected to space heaters and can melt, or even catch fire. They should also unplug the space heater, and other small appliances, when not in use or before leaving for the day. Heating and cooling systems Speaking of temperatures, no matter where your office is located it’s likely that your heating system is going to kick on overnight. Be sure you’ve had regular maintenance done and that air filters are clean. Being proactive reduces the chance of something going wrong when no one is there to catch it. Remind employees to also not place anything on the heating vents, like wet gloves, as this can be a fire hazard Decorations Is your business getting into the festive spirit with decorations? If you’ve put up decorations, make sure they are not near a heat source. Decorations tend to be made or paper and other highly flammable materials. If you’ve put up any decorative lights it is recommended to turn them off before heading home for the night. What else can you do? Check smoke alarm batteries and fire extinguishers expiration dates Have a fire safety and evacuation plan Have a post fire recovery plan Review your Business Insurance policy to ensure your limits of liability accurately reflect the value of your business should a fire cause a complete loss. Contact s for a free review of your insurance program.
What does a homeowner’s policy cover?
A homeowners policy packages together the specific types of property and liability coverage that a homeowner is likely to need into a single policy. 6 Types of Coverage in One* Coverage A - Dwelling Coverage. Coverage B - Other Structures. Coverage C – Personal Property. Coverage D – Loss of Use. This coverage is sometimes call Additional Living Expense and Rental Value. Coverage E – Personal Liability Coverage. Coverage F – Medical Payments.
Are you delivering on safety? 14 tips to help keep delivery drivers safe and insurance claims low
Food delivery service brings convenience to customers and has helped many restaurants survive shutdowns and capacity limitations imposed over the last year and a half. While being able to offer delivery has been a boon for restaurants and patrons, it does come with its own safety concerns.If you offer delivery as part of your restaurant experience, there are several precautions you can take to help protect your staff and your bottom line.
Are you ready for a disaster? Here are 6 steps to help you create a business recovery plan
If the last year and a half has taught us anything, it is that anything can happen, and those with a plan will inevitably succeed at a higher rate than those without. However, recent studies show that 60% of small businesses do not have a formal emergency response plan, also known as a business continuity or recovery plan. A business recovery plan, if maintained and implemented correctly, can be the difference between successfully recovering from a business interruption and going out of business.
Mind the Gap – Will you be left holding the bill after a car accident?
This one endorsement could make up the difference. If you’ve ever traveled via London’s iconic “Tube” system, the phrase Mind the Gap is likely etched into your brain. The warning is repeated thousands of times a day, cautioning people about the space between the platform and the train and has become ingrained in popular culture. Mind the Gap. Mind the Gap. It repeats, over and over. However, the Tube’s gap isn’t the only gap to be cautious of. Your auto insurance policy may have a gap that could leave you holding the bill.
Top 3 common costly claims for restaurant operators and tips on how to prevent them
The only thing worse than training your employees and having them leave, is not training your employees and having them stay.- Henry Ford Restaurants are ramping up staffing needs to meet loosening capacity restrictions and the opening of patio dining. With the current difficulty of finding applicants (not to mention retaining qualified staff) it may be tempting to sacrifice proper training in favor of quickly getting employees out on the floor and working.Poorly implemented, rushed, or incomplete training of staff can lead to costly mistakes – including workers’ compensation claims, increased liability claims, and dissatisfied customers.
Is the use of biometric identifiers creating a gap in your insurance coverage? Reduce your risk with these 8 tips
The collection, use, storage, and destruction of Biometric Identifiers is a hot topic for employees. There have been many lawsuits and business owners may be surprised to know it is being excluded from many Employment Practices Liability Insurance policies. This can leave a gap in coverage for employers that are collecting biometric data as privacy laws continue to expand and evolve. In Illinois, the Biometric Information Privacy Act (BIBA) prohibits the collection of Biometric Identifiers from employees, customers, vendors, residents, or other third parties without their written authorization. Companies must also have a public policy for the handling and use of such information.
Don’t forget the sump pump! This is one risk you don't want to miss.
Buying a new home is an exciting stage in your life, and there is a lot that goes into it. The ideal home will be perfect from the ground up – but don’t forget what is below ground. Having a properly installed and maintained sump pump is your first defense against water escaping from sewers and drains, such as toilets, within the residence. This type of water backup is more common in areas where:
Check out these 3 ways restaurant owners are evolving their businesses
March 2020 saw a wave of disruption strike the restaurant and hospitality industry like nothing we could have predicted. Government mandated shutdowns, followed by strict capacity restrictions, and a constantly changing sea of guidelines have left restaurant owners scrambling.As we move through March 2021, we look back at some of the most innovative ways restaurant owners have managed to keep their businesses open and prospering.
A commercial vehicle telematics program is a great way to save money and reduce accidents
Commercial Vehicle Telematics is a great way to monitor and improve your fleet’s driving habits and reduce vehicular accidents. The number of accidents involving commercially used vehicles continues to trend upwards and is a great concern in the insurance industry, impacting rates and availability of insurance in some industries. Similar to Personal Vehicle Telematics, commercial vehicle telematics provides insights on the vehicles speed, acceleration, hard breaking, and location/route. Depending on which telematics program is deployed other metrics may also be available, such as swerving, or frequent lane changing.
Is a Short-Term Health Insurance Policy right for you?
The phrase Short-Term Health Insurance is both accurate, as it this policy only provide coverage for a short time, and a bit confusing since it implies that it is a shorter version of Long-Term Health – which isn’t exactly accurate. Long-Term Health Insurance, often called Major Medical Insurance, is renewable and offers comprehensive coverage options designed for people to keep the same policy for many years. These plans are medically underwritten, which could require you to answer health questions to determine eligibility. Short-Term Health Insurance, also called Temporary Health Insurance, typically provide coverage for one year or less, and are not meant to be renewed. However, this is not the only difference between long-term and short-term plans.
Does Offering Curbside Pickup Impact Your Liquor Liability?
Serving alcohol, and thus Liquor Liability Insurance, has been a common feature for many restaurants, bars, and catering companies for decades, causing this coverage to often be a simple renewal year after year. However, many establishments are finding new ways of serving their customers, primarily through pickup and delivery options, making a review of liquor liability a necessity.
Do You Have the RIGHT Coverage? Professional Liability & Management Liability Aren't The Same
The Difference Between Professional Liability and Management Liability Insurance As a business owner you understand the importance of protecting your company, your employees, and yourself. This often means going beyond a simple Business Owners Policy. While Professional Liability and Management Liability may sound similar, they are unique coverages, and depending on your industry you may need one or both types of policies.
Keep your garage safe with these 5 tips!
With autumn settling in, now is a great time to evaluate the hazards in your garage. According to U.S Fire Administration, each year there are 6,600 garage fires in homes. These fires tend to spread farther, go undetected longer, and lead to more injuries and property loss than fires originating in any other part of your home. Most garage fires occur in winter so now is the time to focus on prevention.
Restaurant Operators: Be Proactive about loss control
Restaurant Operators: Be Proactive about loss control before your next inspection: Risk manager inspections are typically ordered by Insurance Companies and often happen when a new policy is written or on a fixed schedule. Any concerns identified by a risk manager inspection should be addressed by the business promptly, as they could cause higher premium costs, or even risk coverage being revoked if not corrected. By proactively addressing any concerns that may arise during an inspection, policyholders can feel confident in their operations.
Understanding your commercial property rating and underwriting
Understanding the factors that impact your commercial property can seem overwhelming. Here we have broken down the key characteristics underwriters review when determining insurance rates.
Protect what matters - Homeowners Insurance & Home Warranties.
As we move through summer towards fall your air conditioner has likely been working on overdrive to beat the heat. Having it quit now can be devastating as sweltering summer nights make sleeping more difficult. Many people might be disappointed to learn that their homeowner’s insurance may not cover the repair cost.
Are you at risk of an ADA Website Lawsuit?
While ADA lawsuits previously focused on physical access barriers to businesses, in the past few years they have shifted to include cyberspace as well. Lawsuits alleging inaccessible websites and mobile apps accounted for at least a fifth of the total number of ADA Title III lawsuits filed in federal courts in 2019. With the Supreme Court declining to review the Robles v. Domino’s case, small businesses in the United States continue to be without formal federal guidance on how to make their websites compliant.
Protecting yourself, your employees, your customers and your business during civil unrest. “I think that you will all agree that we are living in most interesting times. (Hear, hear.) I never remember myself a time in which our history was so full, in which day by day brought us new objects of interest, and, let me say also, new objects for anxiety. (Hear, hear.)” – Joseph Chamberlin; 1898 2020 has certainly brought us “interesting times” as we continue to navigate the far-reaching effects of the COVID-19 crisis and now the civil unrest following in the wake of the George Floyd and Black Lives Matter protests. Business owners continue to face new anxieties over an uncertain future. Civil unrest creates unique challenges for businesses. Vandalism, stolen or damaged goods, and extensive property damage are just some of the concerns business owners face. There must also be consideration for the safety of employees, customers and themselves. With this in mind it is crucial to take steps to mitigate the potential damages and risks to your business during times of unrest.
Considerations to make your restaurant patrons feel safe
As a restaurant operator you know the importance of keeping your establishment clean. You regularly disinfect surfaces and food-prep areas to avoid contamination and the spread of germs and have hand washing policies in place. However, with the rise of the novel virus COVID-19 you may be wondering how you can make your patrons feel safe in your establishment.
Water Damage: an increasing risk to high net-worth homes
When you think of the top causes of home damage what comes to mind? Fire, hurricanes, extreme weather? Chances are water damage isn’t very high on your list of concerns. However, water damage comes in with a staggeringly high frequency of reported claims, just after hail, making it the 2nd most reported cause of loss. It also peaks the top 3 for severity of damage and is in 1st place for single largest payouts.