Insurance Coverage for Caterers and Banquet Halls

Caterers and banquet facilities understand the details involved with planning exciting events and large celebrations. Society Insurance understands the unique exposures these businesses face on premise, as well as the risk involved when business is conducted away from the main operating location.

Learn more in this video: (more…)

Make Your Workspace Inspiring!

Once you have settled into a new workspace, it’s only natural to want to personalize it and make it your own. Use these starting points to create a personalized workspace that also doubles as one that will inspire you to be productive and successful. (more…)

5 Reasons Your Business Needs Video Surveillance

Is your business as well-protected as it should be? Do you really know what goes on when you’re not there to see it firsthand? As a business owner you want to ensure that your investment is protected against loss from the public or from your own employees.

Due to their early and late hours and sometimes short staffing, gas stations, convenience and liquor stores are often subject to more crime and violence, which is a growing concern among many of Society’s policyholders. Other businesses such as restaurants, taverns, and grocery stores experience increasing numbers of slips and falls. Having an effective video surveillance system will help deter shoplifting and employee theft, and it can also prove valuable when trying to document crimes and injury claims by customers or employees. Many of the newer digital systems allow you to review your footage from a smart phone, even if you are not onsite.

So, is video surveillance really necessary at your business? YES. Here’s why: (more…)

Independent Restaurants: How to Stand Out

No one has ever said that running a restaurant is easy. It seems even more difficult if you are an independent operator. Consumer’s tastes are changing, with more dining concepts available than ever before. New technology keeps popping up, but staffing challenges never go away. And then there’s the chains, which seem to get harder to fight against. Indeed, The NPD Group’s Fall 2015 Recount showed independent unit counts declined -2%, while the chains grew +1% from the year before.

With the chains gaining ground in overall units, how can the independent compete? Fortunately, there are weapons at your disposal. Check out these five tips: (more…)

Beware of Protective Safeguards in Your Business Insurance Policy

Protective Safeguards sounds like an endorsement you would want included in an insurance policy, right? Beware! This is actually an endorsement that can exclude coverage in certain scenarios. It’s important to know if this is attached to a businessowners’ insurance policy. (more…)

Too Much To Do? Fight the Guilt

Okay everyone, let’s acknowledge the fact that Superman and Superwoman are fictional characters. No one is perfect, and it’s okay if you don’t devote 100% of your energy into every single thing you do.

The house isn’t perfectly clean? You left things unfinished at work last night? The school bake sale is tomorrow and you forgot to make those darn brownies…again? Believe it or not, this happens to ALL of us. But for some reason we still carry around this feeling of guilt. Why exactly is that when we all know that nobody is perfect? More importantly, how do we overcome this feeling? (more…)

Walk Safely on Ice (Like a Penguin)

Just one bad fall on ice can have long-term consequences. Pay attention to the weather and stay inside to avoid icy hazards when you can. When you do venture out, walking in winter requires special attention to avoid slipping and falling. Slips and falls are the number one source of loss for Society Insurance policyholders.

No matter how well the snow and ice is cleared from parking lots or sidewalks, customers and employees may still encounter some slippery surfaces. It is important for everyone to be constantly aware of these dangers.

Consider these tips: (more…)

Salting Winter Sidewalks

Slip and falls represent a huge liability for business owners. Outdoor surfaces, such as parking lots, sidewalks and walkways, are one of the leading areas for slip and fall accidents. These areas become increasingly more hazardous in the winter with the accumulation of snow and ice. Slip and falls are the number one source of loss for Society Insurance policyholders for both customer and employee injuries.

If you own your property you are responsible for the snow and ice removal. If you are a tenant who leases your space check your lease agreement to see who is responsible for snow and ice removal; it may be you! Whether it is in an effort to save time or money, some business owners opt out of using ice melt on slippery sidewalks and entryways. By doing nothing, business owners open themselves up to customer liability claims as well as employee injury.  Business owners should have a winter snow removal and ice treatment plan to prevent customers and employees from slipping and falling. (more…)