Data breach coverage offers protection for costs associated with the accidental exposure of sensitive customer data due to occurrences such as hacking, theft, and the accidental release of data. This coverage will help to cover costs involved with the notification of customers and government authorities of a potential data breach, as well as legal liability costs to protect against claims from victims.
Being a leader comes with many responsibilities. One of these responsibilities is setting smart and effective objectives. What does this really mean?
First, it’s important to point out that objectives are different than goals. Goals are what you want to achieve; objectives help you work towards achieving those goals. To begin, take a look at the overall strategy and objectives for your organization and your team. The targeted objectives you develop should support those larger strategies and objectives in order for them to be effective.
Here are a few steps you can take to create your own objectives that will lead your team and company to success. (more…)
The consequences of not using trained kitchen exhaust cleaning (KEC) technicians can be devastating. According the U.S. Fire Administration, nearly 6,000 restaurant fires are reported each year in the United States. And, of those, a percentage, around 21 percent, depending on the year, are caused by a failure to clean. But the concern is for one restaurant: yours.
Restaurant fires are often kitchen exhaust system fires. It’s easy to look at that big hood and hear that fan and think that everything dangerous is being blown straight up and away, but that simply is not the case. The kitchen exhaust system comprises the hood, filters, plenum, fans and what may be a labyrinth of horizontal and vertical ductwork – and the parts that you can see are likely only a small portion of the whole. (more…)
What is an MVR, what is it used for, and who should be checked? A motor vehicle record (MVR) is a historical driving record that can be used to determine business risk associated with current and potential drivers. MVRs may include: (more…)
The timing of when you choose to report an incident to your insurance carrier has a direct effect on the bottom line. This case study demonstrates how prompt claims reporting was key to recouping this property loss quickly and efficiently. (more…)
Whether you’re a manager or an employee, year-end reviews can be nerve wracking. As the employee, we know that our manager is about to go over our performance and development from the past 365 days, including the good and the bad.
Most likely, managers will also help you develop an “action plan” for your next year to work towards achieving your goals. This is helpful, but it will not determine how your next year will go. Do you know what will? Let’s talk about it… (more…)
Did you know that 1 out of every 169 drivers will collide with a deer during the coming year? Wisconsin and other Midwest states consistently rank in the 10 worst states for deer crashes. Collisions between vehicles and deer cause 150 fatalities annually in the United States.
Here are some helpful tips to prevent deer crashes: (more…)
When it comes to fires, the best offense is a good defense. Here are some precautionary practices to help businesses safeguard their restaurants and bars against fires: (more…)
The hospitality business is all about patrons having a good time. Most business owners are vigilant about preventing verbal and physical altercations. But sometimes a situation may escalate leaving your business vulnerable to an Assault and Battery liability claim.
Assault is usually defined as “an act that threatens physical harm to a person.” Battery is generally defined as “the crime of unconsented physical contact with another person.”
For many in the hospitality industry, Assault and Battery is a concern – particularly if your establishment serves alcoholic beverages.
Did you know that many insurance carriers exclude this coverage for bars? (more…)
Society Insurance is a servicing carrier in the Wisconsin Workers Compensation Insurance Pool. As such, we see extreme cases and injuries. We treat these businesses just like every other Society policyholder. This case study provides strong evidence for the importance of prompt claims reporting. (more…)