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How an Experience Mod Can Affect Workers Compensation Insurance Premiums
An experience mod or ‘e-mod’ is a modifier that has the ability to lower or raise your workers compensation premium based on your loss history. It is an important number that business owners should pay close attention to in an effort to control workers compensation premium costs each...
Key Safety Elements That Should be Included in your Employee Handbook
Safety elements are the most important component of your employee handbook. This is not only important for the safety of your employees and clientele but also for your bottom line in the form of limiting liability. Ask any lawyer and they will tell you that training and getting things in writing...
5 Ways to Develop Inclusive Hiring Practices
Inclusive hiring practices recognize diversity and embrace a wide range of perspectives that candidates from all walks of life bring to the organization. And according to research from Monster, ‘Four in five (86%) candidates globally say diversity, equity and inclusion in the workplace is...
What is Inflation Guard?
In 2021, we’re seeing a unique economic environment. Supply chains have been affected by the pandemic and a few industries experienced weather-related setbacks. This, along with the new challenge of a labor shortage, is not allowing supply to keep up with demand, which leads to inflation. Lumber...
5 Tips to Help You Overcome Workplace Politics
Workplace politics can be a delicate subject. Workplace politics is the manifestation of power dynamics amongst employees. At its best, you'll feel like you're walking on eggshells each time you set foot in the office and at its worst, you can ruffle a few feathers, making each day feel miserable....
4 Common Small Business Claims That Can Be Surprisingly Expensive
While running a small business, there's a decent chance that throughout its course you'll have to file some sort of insurance claim (often unexpectedly). Whether due to fire, theft, on-site injury or other incident, some experts estimate that 75% of small businesses faced an insurance-worthy...
6 Factors That Can Drive up Restaurant Insurance Costs
Have you ever caught yourself wondering why your business' premium changes over time? Odds are you understand why your auto insurance premium changes: as you age and become a less risky driver, your insurer is exposed to less risk, and your rates drop as a result. But what drives premiums for bars...
Restaurant Security Tips: How To Protect Your Staff & Business
Every restaurant or bar owner knows that the safety of employees and customers should be a top priority to ensure continued success. Oftentimes the focus of restaurants is on food safety but it’s important to not overlook physical security as well. This becomes even more important with...
5 Ways to Ensure Workers Compensation Works Hard for Your Restaurant
1. Pay Attention to Policy Details & Premiums It’s important to understand workers compensation policy details for a multitude of reasons. At the top of that list are controlling costs and ensuring that your business has adequate protection and coverage. Policy premiums are calculated by...
5 Food Safety Tips for Your Restaurant
The Centers for Disease Control and Prevention (CDC) estimates that roughly 48 million Americans get sick due to foodborne illness every year. Additionally, roughly 128,000 are hospitalized, and 3,000 actually die of foodborne diseases each year. The food service industry has an obligation to do...