Property and Liability
Social inflation is the trend of rising insurance costs due to increased litigation, plaintiff-friendly judgments and so-called “nuclear” jury awards – also shows no signs of slowing, and litigation funding is an added concern for insurers (insurance companies and insurance markets). With the rise in inflation, claim costs in several lines of coverage including commercial [...]
Being prepared for a property loss is critical to minimizing the total cost of a large loss and its impact on future premiums. A major property loss is rare, but most insureds do have losses. Since handling a loss is not a normal part of your daily routine, it can raise many questions and potential [...]
Daily cleaning and disinfecting your facilities is an important part of your hygiene protocol. Unfortunately, airborne and surface pathogens and mold can still exist, even if a high standard of manual hygiene procedures are in place. Manual surface disinfection of work surfaces, machinery and freezers etc. allow an unusually high number of bacteria to remain. [...]
Rioting can happen anywhere in the country or locally impacting your franchise system and/or your specific business. In 2020 alone, this has cost our owners/clients (your system) millions in damages, lost income, and lost pay for countless employee's that work in the closed locations. Boarding up windows is one thing that can be done along [...]
Implementing these extra precautionary measures is another way employees can feel good about where they work, and customers can trust their favorite food/ beverage is being prepared by healthy crew members. This is one of the many ways everyone is doing its part to help stop the spread of COVID-19 at this critical time. — [...]
1.) Business Interruption 2.) Cyber Incidents 3.) Natural Catastrophes 4.) Change in legislation and regulation 5.) Market developments 6.) Fire or explosion 7.) New technologies 8.) Climate change/increase volatility of weather 9.) Loss of reputation or brand value 10.) Shortage of skilled workforce Source: Allianz 2019 Risk Barometer Note: This data will be updated [...]
COVID-19 is a key focus on restaurant businesses, many employers are left wondering what more they can do to further protect their workers and customers. The websites below have the latest information specific to restaurants including posters and how to articles to protect yourself and your team from being exposed to or spreading the COVID-19 [...]
When a hurricane watch is in effect, do you know what steps you should take to protect your business? The actions you take throughout every stage of the hurricane are crucial for reducing risks of damage to your company. 72 hours prior to a hurricane: Event preparations Check roof, drains and piping; clear debris [...]
Active shooter events in the United States have risen dramatically in recent years. This webinar, hosted by the National Restaurant Association in partnership with JacksonLewis discusses: Key components of an active shooter response policy. Law enforcement recommendations. Potential workplace violence indicators. Steps to address previous violent behavior or indicators of violence. Actions to prevent and [...]
More information coming soon, in the meantime, visit: http://www.airsolutioncompany.com/hailguard/
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Motor Vehicle Reports (MVRs) should be obtained and reviewed annually, at a minimum, to evaluate individual driver performance. This document covers what a MVR review should include and the characteristics of an undesirable driver.
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One of the main considerations for changing from standard parking lot lighting to LED lighting is the cost savings on your electrical bill. Studies have shown that parking lot lighting constitutes about 12% of your monthly electric bill. Although 12% may not seem like a ‘deep well’ of cost to look to, one store in [...]
Video surveillance system continue to evolve with new technology to better help to protect your restaurant, customers, and crew. Today we see many camera possibilities, cameras that operate in low light with high resolution color, monitoring with storage capabilities of 1 year, and cameras that include audio surveillance.
Your ANSUL Fire Suppression System is one of the most important pieces of equipment within your restaurant. If properly maintained, your system should provide years of protection.
When it comes to safety of our customer’s there are a few key areas that should be included in your restaurant travel paths.
Every day, your restaurants should be using Wet Floor Signs to warn customers of wet areas from mopping, spills, washing of hands in bathroom, or outside water that may be tracked into the lobby due to rain or snow. The improper use or lack of wet floor signs can create more danger than the hazard [...]
Winter Maintenance to Prevent Potential Hazards Winter months in cold climates can present special hazards for your customers and crew members. Take precautions to prevent potentially hazardous conditions or address those that develop. Building Exterior Maintenance In winter months, it is especially important to maintain the exterior of your restaurant when the cold and [...]
Slip-Proof any floor! When employees have both feet safely on the mat, they work faster and more efficiently. With Mighty Mat slip-resistant floor mats, any greasy, slippery walkway becomes a safe, high-traction surface. Click below for Mighty Mat solutions. Click here for more information:
Every camera has a job just like your employees. Click on the link below to view best camera placement locations throughout your store.
Sunken Floor Mats – A New Solution to an Old Problem A major exposure restaurants face is people slipping and falling when they enter your store. People will bring in dirt or oil from parking lots, creating a situation where not only are they exposed to slips and falls, but also other customers and even [...]
Paying for Your Subcontractor’s Back Strain An Owner/Operator hires a carpenter to perform light trim work. While on a ladder, the carpenter spots a bee’s nest and is startled and falls, severely injuring himself. The claim, which totaled in excess of $300,000, is then filed with the Owner’s insurance carrier, and not with the carpenter’s [...]
Best Practices to Prevent Restaurant Fires Your restaurants face the possibility of oil fires which can cost the system money in terms of lost sales, customer perception, worker injuries, property damage, insurance costs, and money. As a result, you should be sure to at least do the minimum to prevent them. Basic Fire Prevention Measures: [...]
https://vimeo.com/388713186 CLICK HERE to register and complete the training.
3 tips to ensure clean and sanitary food-contact surfaces Cleaning and sanitizing food-contact surfaces is one of the most important steps to prevent foodborne illness. Here are a few reminders to protect guests: Reinforce the need for vigilant cleaning and sanitizing practices. Pathogens can spread to food from equipment that hasn't been properly cleaned and [...]
Ensuring your customer’s safety is the one of the most important things that you must do as an owner. Customer safety can take many forms, ranging from clear and clean parking lots, dry floors, proper traffic patterns, food quality, and a host of other items. Read more.
Keeping your parking lots in good condition can not only present a good impression for your customers – one where your restaurant has high standards of maintenance and cleanliness, but also can help prevent slips trips and falls, struck by vehicles, and protect vehicles themselves by reducing claims for damage due to pot holes. Read [...]
Violence Prevention and Proactive Action Related Information: Crime, People, Property/Liab., Security Tough economic times can unfortunately bring more criminal activity to restaurants. Crime can be categorized as a robbery, domestic violence against an employee, or an assault or robbery that occurs on your property— even when none of your employees are involved. Sometimes, simply because [...]
Put A Robbery Policy In Place Now Related Information: Crime, People, Property/Liab., Security Make sure employees follow your crime and violence related policies at all times. Remember even the basics, like if a person has caused trouble in the past returns to the store, that person shouldn’t be ignored by an employee. Based on knowing [...]
Screws and bolt become loose over time or even fall out. Be sure to have maintenance check regularly every table, chair, door hinge, toilet seat, toilet paper holder, etc. making sure all the screws are in place and properly tightened. If you have not done this check in a while, act now.
A loose toilet seat can cause injuries to both customers and employees. Toilet seats should be checked daily to ensure they are secure and fastened.
Every day, your restaurant is probably using Wet Floor signs to warn customers of a wet area from mopping, a spilled drink, or outside water that may have been tracked in due to rain or snow.
There are a variety of Wet Floor signs available today for restaurants. Don’t allow Wet Floor signs to trip up your business.
Properly cleaning beverage towers according to schedules is important for many reasons
The importance of a color coordinated cleaning and safety system
Improperly cleaning or not replacing mop heads can create dangers
Bent and loose drain grates are often visible, but many times they are left unrepaired or not appropriately replaced. In those cases, employees or customers can trip or fall and be seriously injured. Here are some helpful ways to stay on alert and prevent this from happening in your store.
Dealing with unruly customers is a difficult task, but one that has to be managed properly through employee training.
The bulk tea system must be properly serviced to ensure safety
Security is important in preventing serious injuries and loss of profits. Ensure you are at least following these basics.
Objective: To identify contributing factors to foodborne illness outbreaks in food-service facilities and to describe the characteristics, policies and practices of those facilities. Food-service facilities include restaurants, delis, cafeterias, schools, nursing homes, etc. Study results: Environmental assessments conducted as part of 154 foodborne illness outbreak investigations in food service establishments provided data on a number [...]
Many are considering the replacement of pre-2004 Fryers with the new low oil versions.
Fry Station Safety and Risk Reduction Reference Source: Frymaster
Dry Floors- Keep floors dryer and safer with this new low cost solution
Dry Floors- Keep floors dryer and safer with this new low cost solution
Intelligent vaults allow funds to be electronically credited to the owner/operators bank account as soon as cash is deposited into the stores depository safe.
Your restaurant floors can be a liability, if they’re not cleaned properly. Slips and falls rank among the top injuries to customers and employees at restaurants. They’re a danger (and a cost!) that can easily be prevented with the proper floor care tools and techniques. There are two main elements to getting a floor cleaned [...]
In prior winters, the most costly Owner/Operator claims occurred from employees slipping and falling on snow and ice in the parking lot. Learn how to prevent issues for your employee's and customers.
Hand hygiene plays a critical role in proactive public health protection. When customers and crew follow proper hand hygiene, cross contamination and potential illness can be reduced.
Food quality and the prevention of fires are very important to every owner. To prevent costly problems, be sure to service your fryers properly.
As you know, insurance is not a commodity and the price you pay is determined by you and your peers. What are you doing to minimize your claims?
Winter means snow, ice and slick floors. Now is the time to take precautions to keep yourself and customers safe as the temperatures drop. Slip and fall accidents are among the biggest winter weather safety concerns. People track in wet snow, slush or water making your floor slick and causing customers to slide. Slip and fall accidents are responsible for up to 30% of injuries to customers and employees.
Door hinge gaps cause over 300,000 hand injuries to children every year across the USA resulting in over 15,000 finger amputations. Learn More About Solutions by Clicking Below
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Safety video on the importance of a driver safety policy. Also includes references to where a free, example policy can be downloaded.
Being safe during a Named Storm means before, during and after a hurricane. Before a named hurricane approaches your operating area, please take a few moments to create a plan that will help you, your employees, and customers prepare for and cope with extreme weather conditions. The following list of important items may also be reviewed for additional protection [...]
Motor vehicle accidents can be very costly for your company. Even when the vehicle is not company owned, damages caused can still be extended to the Owner/Operator's company. It is up to the leadership team to ensure only the safest people are driving and guide them on proper driving.
Video which presents information on exterior inspections, and the importance in preventing employee and customer injuries. Also discusses effective camera use.
Video on the effective use of posters to prevent injuries. Includes proper placement, near the actual hazard, and in areas employees frequent.
Article explaining why dirty mop bucket water will not clean your floor effectively. Also provides an approved alternative to mopping.
Video outlining a little known, but serious injury exposure concerning door hinges. This video is especially important as children face the greatest exposure.
Procedures for cleanup of a broken lightbulb, and potential mercury exposure.
Overview of lockout tagout procedures, expanded to include chairs and tables, flooring, restroom equipment, etc. Methods to reduce injuries with your employees and customers.
Profit Sheets outline the top 10 major cost drivers for Owner/Operators in regard to employee injuries. In this sheet, causes of motor vehicle accidents, ways to reduce cost and exposures, and trainng materials are discussed.
Both natural catastrophes— earthquakes, hurricanes, tornadoes, floods—and man-made disasters, including terrorism and extreme casualty events, can jeopardize the financial well-being of an otherwise stable, profitable company. Catastrophe modeling is the practice of using computer programs to mathematically represent the physical characteristics of natural catastrophes, terrorism, pandemics, extreme casualty events, and cyber incidents. CLICK HERE to [...]
Article discussing the crucial importance of managerial accountability. Includes information on inspections, documentation, investigations, and other timely techniques.
An overview of a sample robbery policy, plus an attached for for all employees to sign. By formalizing training to employees, you can reduce exposure to the possible tragic consequences of robberies.
Review of vehicle safety issues, where you may be exposed, and a large selection of resources to assist in minimizing your exposure.
Article on the importance of hiring the right people, as well as a large selection of resources to assist in hiring good employees. Includes information on approved background check vendors, plus state specific information.
Article on how to prepare for a hurricane. Includes preparing your business, your employees, and alerting the right agencies, such as your insurance company, prior to the hurricane hitting.
Article on how to prepare for a hurricane, and also setting up a business continuity program, to ensure that you can reopen shortly after the hurricane passes. Also includes a large selection of resources to assist with the building of your program.
Article on the importance of floor cleaning, how to clean a floor properly, and references to information and videos on proper floor cleaning.
Video on how cameras in your stores can assist in accident investigation, fraud reduction, and other important aspects of restaurant safety and security.
How to keep customer and company information safe. Discusses how to use cameras to recognize suspicious behaviors, as well as backing up of computer data.
Safe use of cleaning chemicals in the store, and how to prevent injuries and illnesses with your employees.
Why dirty mop water means your floors are not being cleaned properly, and alternate techniques to ensure your floors are clean, and not slippery.
Short, step by step process to ensure floors and clean and dry, and other methods to reduce slips and falls at your stores. Note - slips and falls continue to be one of the most costly and common injury cost drivers.