Standard property insurance provides coverage for returning a building to the condition it was in prior to a covered loss. What is not covered is the increased cost due to the enforcement of ordinances or laws regulating construction and repair of damaged buildings. Ordinance or law coverage was developed to fill this gap. (more…)
If your building caught on fire today, would your sprinkler system activate and control the fire? Ninety-five percent of the time your sprinkler system will do what it is supposed to do, but there are several things that YOU can do to increase your chances even more. Below are seven tips a building owner can act on to ensure their investment doesn’t go up in flames. (more…)
Even if your business has been fortunate enough to avoid a loss, it may happen that disaster strikes near your business. Although this event doesn’t directly affect your ability to conduct business, action by a civil authority – like the police or fire department – may still prohibit access, resulting in a loss of business income and extra expense. Civil authority coverage comes into play in these situations, providing protection when there is damage to property other than your insured premises due to a covered cause of loss. (more…)
When you think about the most dangerous jobs, a non-CDL (Commercial Driver’s License) service or delivery driver does not usually come to mind. However, every year thousands of workers are injured or killed while performing a delivery. According to the National Highway and Traffic Safety Administration, there were over 100,000 injuries and 300,000 accidents involving delivery vehicles in 2012 and Time magazine ranked it number eight on its list of the 10 Most Dangerous Jobs in 2014.
Delivery driver dangers include vehicle accidents, injuries while performing the delivery such as back injuries and slips, trips and falls, or crime. Both employers and employees can take important steps to help reduce these hazards. (more…)
Society is unique in its understanding of the hospitality business. Sometimes products of services that were ordered in advance become unavailable due to an unexpected loss or damage. That’s why we offer insurance coverage to reimburse your customers for additional expenses when prearranged products or services cannot be honored. (more…)
Many restaurants utilize some form of deep fat frying in their kitchen. These deep fryers are used to cook a variety of delicious foods: doughnuts, chicken wings, tortilla/potato chips, onion rings…the list goes on. While these items are undeniably popular and well-known throughout the world, little attention is given to the equipment that produces these tasty treats. This includes regular deep fryer maintenance and annual inspections by a qualified contractor. (more…)
It is that time of year again when the weather starts to warm up and we become more active outdoors. I was recently working in my backyard on the first 80+ degree-day of the year and began to get dizzy and disoriented. I started thinking to myself that I was encountering a heat-related illness – was it heat stroke, heat exhaustion, or possibly just heat cramps? So many terms and levels of danger! Heat stress is the general term used to describe heat-generated illnesses that result when the body is unable to cool itself through sweating. What should we know about heat stress and what can we do to prevent it? (more…)
Your vehicles drive your business, and Society has the safety tools to keep them going no matter the obstacle. Whether your fleet is for retail delivery, local service, repair or something else, we customize your business auto coverage around how your operation runs for a smooth ride.
Plus, Society’s auto extension endorsement provides several enhanced coverage protections. (more…)
People don’t go out to eat just to eat. Read that sentence again. And again. Of course they come to your restaurant for great food, but they are also looking for a great dining experience. Your customers come to celebrate, connect with friends, do business, escape. Whatever the reason, their overall experience can depend on their server. Your server. (more…)
In the world of workers compensation, the subject of employee vs. self-employed independent contractor is complex. Employers are not required to provide workers compensation coverage for independent contractors. Likewise, employers are not responsible for payroll taxes and other legal obligations that are necessary for employees. However, there are consequences for misclassifying an employee as an independent contractor, so it’s important to understand the difference. (more…)