Author Archives: The Society Insurance Team

About The Society Insurance Team

Your business is your livelihood, and it’s our job to do all we can to help you protect it. By choosing Society, you’re not only getting one of the most comprehensive plans for your business, but a partner dedicated to your company’s continued success.

Does Your Business Have a Distracted Driving Policy

You’ve heard of it, and keep putting it off—but a distracted driving policy could save your business thousands. Not only can distracted driving result in high-cost consequences, but it’s also extremely dangerous. If your employees are distracted while they’re driving it can be a threat to everyone else on the road. On average, distracted driving cost employers $72,442 per non-fatal accident and about $4.3 billion total. As an employer, it’s important to create a culture of safety that focuses on preventing distracted driving by establishing a distracted driving policy.

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Solid Fuel Cooking: Protecting Your Restaurant

Solid fuel cooking has been an up-and-coming trend for many new restaurants because it’s a tasty way to prepare food – especially pizza and BBQ. These cooking appliances are fueled by a solid fuel such as mesquite, charcoal and hardwood; and while this cooking method yields different, interesting flavors, it also carries with it increased safety risks. With the right amount of understanding and preparation, restaurant owners can safely use most solid fuel appliances.

What Is Solid Fuel Cooking?

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What Types of Business Insurance Does Your Bar or Restaurant Need?

Before you serve your first customer, your business is at great risk and liability. Thankfully, there are many insurance options to help businesses protect their livelihood. Below are critical types of insurance that restaurants and bars should consider to protect their financial investment.

5 Types of Business Insurance You Shouldn’t Go Without

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Slips, Trips and Falls Safety Tips

This entry is part 14 of 14 in the series Slips, Trips & Falls

Slips, trips and falls account for an estimated 12-15% of workers compensation claims. In addition, these incidents cost employers’ tens of billions of dollars per year from regulatory fines, productivity losses, and other administrative expenses. Making sure that you have the correct safety equipment and protocols in place will save you from legal liabilities and costly fines. After all, the average slip in the workplace costs around $20,000 to pay out and $50,000 to defend the claim.

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When to Stop Serving Alcohol & Refuse Service

Restaurants and bars face unique risks and complexities. As an alcohol-serving establishment, your business can be especially vulnerable to legal challenges. Do your bartenders know when to stop serving patrons? Do they know what signs to look for in an intoxicated person?

When Does a Bartender Have the Right to Refuse Service to a Patron?

At some point or another a bartender will likely have to address a belligerent or very intoxicated person. Below are several legitimate reasons to refuse service to a patron:

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Stay Warm While Working in the Cold

This entry is part 15 of 15 in the series Winter Defense

Working in freezing environments adds an extra layer of danger to any task. Feeling begins to dull, objects are prone to breakage, and ice causes slippery conditions and an unforgiving surface if one should fall. On top of these potential traumas, workers are susceptible to frostbite and hypothermia, each with serious or long-lasting consequences.

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What Every Business Owner Should Know About Workplace Incident Reporting & Investigations

This entry is part of 7 in the series Claims Reporting

Workplace accidents happen. But knowing what to do in the immediate aftermath and planning out the appropriate procedures, including incident reporting and investigation, will minimize risks in the long-term and help reduce costs for your business in the short-term. Workplace incidents are almost always preventable – it’s just a matter of knowing how.

Why Should You Investigate Workplace Incidents?

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7 Tips to Prevent Frozen Pipes in an Arctic Blast

This entry is part 14 of 15 in the series Winter Defense

The National Weather Service is forecasting that a very dangerous arctic air mass will move into the Midwest, especially the Upper Midwest, Great Lakes and Ohio Valley regions during the next few days (1/28/19 to 1/31/19). This weather system will bring bitter cold and wind chills which are likely to hit record low temperatures. Are you prepared to prevent frozen pipes in your buildings and structures?

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How to Reduce Parking Lot Accidents

This entry is part 1 of 14 in the series Slips, Trips & Falls

Do you know what the largest claim type is for Society Insurance? If you guessed slips, trips and falls you’d be correct. In terms of frequency and overall claim cost to Society Insurance policyholders, slip, trip and fall claims account for approximately 44% of overall claims. That being said, there are a number of steps both employees and employers can take to mitigate the risks of parking lot accidents. Obviously, during the winter months it’s not uncommon for there to be snow and ice in parking lots, but there are many other factors contributing to slips and falls in parking lots—all of which business owners should plan for.

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