Category Archives: Hotels, Motels & Resorts

Salting Winter Sidewalks

This entry is part 10 of 17 in the series Winter Defense

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…)

Checking Motor Vehicle Records (MVR) on Delivery Employees

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…)

Is Your Business a Target? Robbery Prevention Tips

As a former robbery detective in the Chicago Police Department I can easily see why a business would be a target for a robbery or hold up. Now that my career is in insurance, I know how important it is for a business to keep a “low profile.” Here are a few things you can do to make the bad guys pick another business as their victim:
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4 Onboarding Tips to Welcome New Hires

Finding the right person to fill a position is just as important as having a process to properly onboard them. Whether your company is large or small, getting your new hires off on the right foot is important and can make a huge impact in the long run.  (more…)

Tips for Reporting Insurance Claims

This entry is part 3 of 7 in the series Claims Reporting

The easiest way to control your claim cost is with prompt reporting. Studies show that claims cost more when reporting is delayed. The sooner a claim is reported, the sooner it can begin to be managed and brought to resolution.

Key types of claims that should be reported as soon as possible: (more…)

Prevent Slips and Falls with a Floor Mat Program

This entry is part 14 of 17 in the series Slips, Trips & Falls

Mirror, mirror on the wall,
How do we prevent a fall?
Clean floors can help with that,
And don’t forget the floor mat!

The average person walks over 8,000 steps a day. All it takes is one slip and fall and your life could be changed in an instant. According to the National Floor Safety Institute (NFSI): “Falls account for over 8 million hospital emergency room visits, representing the leading cause of visits (21.3%). Slips and falls account for over 1 million visits, or 12% of the total falls.” What can we do as employers to protect our employees and customers from slips and falls? One of the best places to start is with a proper floor mat program. (more…)

How to Save Money on Workers’ Compensation Claims

This entry is part 2 of 7 in the series Claims Reporting

According to the National Council on Compensation Insurance, restaurants are subjected to workers’ compensation claims averaging $45,600 per year. Most restaurants can’t afford an extra bill that big. Luckily, there are ways that restaurants can avoid being crushed by these costs and also recoup losses quickly.

Prompt workers’ compensation claims reporting is key to receiving  reimbursement promptly and efficiently. The timing of when you choose to pick up the phone to report an incident to your insurance carrier has a direct effect on the bottom line. Here are the top five reasons why.
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Liquor Liability: Limit Your Exposure

Businesses in the hospitality industry (bars, restaurants, hotels) provide a fun and relaxed atmosphere for clientele to briefly escape their everyday routines. While these establishments look for ways to distinguish themselves from the competition, they often share one common feature: a bar. Alcohol service, the commercial sale of alcohol, creates unique risks and exposures which business owners must not only address by having specific guidelines in place; they must also strictly enforce.

The Problem (more…)

Improve the Effectiveness of Your Alarm System

Business owners can lower the chances of large property losses, production delays, material loss, or even a total loss of their business with preventive measures. One such tool to lower the risk factor is the installation of an alarm system. An alarm system alerts those individuals on-site and it can send a signal to a monitoring service company. Alarm systems help deter potential break-ins, keep customers and employees safe during emergency situations, and provides quick notification allowing for faster response times. (more…)

Falls Are Not Funny

This entry is part 13 of 17 in the series Slips, Trips & Falls

The National Floor Safety Institute is focused on providing the general public with an educated awareness to the problems of slip and fall injuries. There are many preventive measures that can help to avoid these terrible accidents. It only takes one fall to completely alter the life of a victim.

Slip and fall accidents happen every day and should be a significant cause of concern in both the summer and winter months. In 2009, the total costs of slip and fall accidents was $60 billion, but that number has continued to rise. Today, these accidents account for nearly $80 billion.

Injuries as a result of a slip, trip or fall are the leading cause of injury-related emergency room visits. Unfortunately, the general public is sometimes led to believe all slip, trip and fall injuries are scams. This is not true. There are preventive strategies that can help reduce the frequency of these types of accidents, in turn reducing the number of injuries. (more…)