Winter officially begins in just over a month, but winter weather is already here! With temperates in the 40s the last few days, you’ve probably already started turning on the heater, pulling out the blankets and dreading the increase in your upcoming energy bills.
Ignore this 8-point Host Liquor Liability Checklist at your own risk:
If you use liquor to entertain clients, then read closely. The law states that the consequences of an accident connected with the serving alcoholic beverages may fall on the party that served the alcohol.
So, who does this affect?
Do you serve wine, beer or booze at a:
Wise business owners see the consequences down the road of serving alcohol. Inexperienced business owners must suffer the consequences. How about you? Where do you fit in? By taking a proactive approach to this, you can avoid many headaches later on.
Denny’s has been in the news many times over the years. This time, it’s for racial discrimination and the following lawsuit.
What practical lessons can your restaurant learn from this? In this lawsuit, an Illinois African American family sued the restaurant chain for racial discrimination and they won. The jury awarded the family $600,000.
Read closely to their claims:
- A white waiter deliberately ignored them
- Later, the waiter used racial slurs when the family finally did get service
One of the family members hopes that the award by the jury sends a message to the restaurant chain. But what about your restaurant?
Will you learn from these restaurant robbery lessons?
We did a quick search on the internet for restaurants that were robbed and broken into.
When we Googled this, here is what we found:
- NASHVILLE — East Nashville restaurant Hunan Express was burglarized early Thursday morning.
- ATLANTA – Police are investigating a violent ambush robbery at a popular Inman Park restaurant.
- CHARLESTON — Police are investigating a reported break-in at a restaurant on the West Side of Charleston.
Chances are, if you’re reading this article, then you likely have racks and racks of clothes sitting within viewing distance.
You’ve got your shipping down, you have been having pop-ups, you’ve got a Facebook group going and you have probably been selling quite a bit. You’re also probably investing money to grow your inventory.
What started out as a hope and a dream is now your real business. Your inventory is likely worth somewhere between $5000 and $20,000 wholesale. And guess what? Everything you have built is not insured. Your home insurance policy isn’t built to cover your business. A small kitchen fire could ruin your entire inventory with smoke smell. Theft, slip and fall, or even a car accident with your inventory in transport could not only put you out of business but also put you at risk of a lawsuit.
Part 2: Tornadoes and hailstorms
In our last article, we addressed the question “Will my home be protected from hurricanes? In that article, we discussed hurricanes and the lessons that will prevent us from suffering an unnecessary loss. In today’s discussion, we will address tornadoes and hailstorms.
Quick question before we begin: Do you think that you will be protected with your current home insurance policy in the case of a tornado or hail storm? Let’s find out together:
Part 1: Hurricanes
Natural disasters. These words can send shivers down your spine. It seems like every day we hear about another natural disaster as they seem to rise to Biblical proportions: hurricanes, tropical storms, earthquakes, tornadoes, etc.
As a homeowner, just because you may have home insurance, it doesn’t mean you will necessarily be covered in the case of a natural disaster with your current policy. You may be wondering, “How can that be?” Well, let’s find out together as we look at the most common natural disasters that hit the United States each year.
Will your homeowners protect you from Hurricanes?
Normally when you think of hurricanes you think of coastal towns like Galveston, Texas. The facts are though that hurricane winds can cause damage to cities that may normally not be prone to hurricane damage. For example, all you have to say is the name “Sandy” and now you have New York and New Jersey paying close attention too.
If you have a restaurant, deli, or food preparation kitchen, then read closely. We realize that restaurant insurance can be expensive. In fact, it can be quite expensive, especially when you have accidents in your kitchen.
But, here’s the thing: many commercial kitchen accidents and injuries can be avoided when safety procedures and policies are set up.
When safety is ignored, it’s only a matter of time before there are accidents. Remember that restaurant kitchen accidents only make insurance rates go up. So, doesn’t it make sense to implement these checklist points in your kitchen and food prep area?
Did you know that back in 2012, over 616,000 restaurants opened nationwide?
That’s 616,000 restaurants similar to yours. That is a heck of a lot of competition. However, some resources quote that up to 60 percent restaurants close or change ownership in the first year, which means that roughly 369,000 restaurants closed within their first year of business. What’s worse is that about 80 percent (492,000 restaurants) close within five years.