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…)
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…)
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 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…)