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…)
Reports of fires involving wood-fired pizza and meat smoking ovens are increasing due to the growing number of restaurants that have added this cooking process. According to National Fire Protection Association (NFPA) data, fire departments responded to an estimated average of 7,640 structure fires per year between 2006 and 2010. Three out of five of those fires involved cooking equipment. (more…)
March is National Ladder Safety Month
The American Ladder Institute (ALI) is made up of 16 ladder manufacturers responsible for developing ladder safety standards. ALI recently announced the launch of an initiative to address ladder-related incidents: the first National Ladder Safety Month. As reported in the March 2017 issue of Safety & Health magazine from the National Safety Council, the goal of this annual March campaign is to: (more…)
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.
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…)
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…)
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…)
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…)
It’s 2:00 a.m. The alarm company just called with a power failure at your restaurant. What you do next depends on your emergency plan. Business emergencies can take many forms such as fires, tornadoes, robberies, etc. Having an emergency plan in place will allow your business to react quickly to minimize the impact of the emergency. This in turn will save you time, money, and possibly even save lives.
Building an Emergency Plan
To build an emergency plan, you should focus on the four phases of emergency management which are mitigation, preparedness, response, and recovery. An Emergency Plan should have laid out instructions that can be developed and implemented for emergency situations. One of the biggest risks for businesses is the potential loss of day-to-day operations and loss of income. (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…)