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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...
7 Tips: How to Build Company Culture
Employers should work towards a positive company culture that benefits both employees and the company as a whole. There is a direct correlation between employees who say that they are “happy at work” and feel “valued.” When a strong company culture is built, employees understand that they are the...
How to Build a Business Inventory List to Help the Claims Process
As a business owner, one of the most important aspects of your company running like a well-oiled machine is staying organized and efficient. Building a comprehensive business inventory list may not seem like a high priority, but in the end it's worth the effort. It keeps you and your staff...
When to Hire A Safety Consultant
Whether you're the business owner, company president, general manager or one leader within a large organization, you have a lot going on. You not only need to help ensure the profitability of the business, you need to ensure the safety of the employees you depend upon to generate those profits....
Glossary of Insurance Terms
Business insurance should be straightforward and easy to understand. There are a number of terms commonly used but they can be overwhelming for even the most seasoned of business owners. That’s why we created this glossary of insurance terms to help you make more informed decisions about...
Restaurant Fires: 5 Tips for Handling Greasy Rags (to Prevent Spontaneous Combustion)
Rags and towels are handy for cleaning up cooking oil and grease residue at restaurants and bars. However, their usefulness can also make them a severe fire hazard. Spontaneous combustion occurs when heat is generated through rapid oxidation. This causes these fabrics and oils to reach...