Business Insurance

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?

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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.

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As a business owner, you can’t always count on good luck.

Or simply making a claim on your commercial property insurance coverage. Instead, you must manage your risk now. Recently, we talked about the importance of having a written emergency disaster plan for your business and this article is part 2 in this series.

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When it comes to disasters, 50% of small businesses are making the mistake of not having an emergency disaster response and recovery plan. Is your business guilty of making this mistake? 

Did you know that each year thousands of small businesses like yours are struck by disaster?

• Fire
• Earthquakes
• Hurricanes
• Tornadoes
• Power outages

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What can you do to avoid lawsuits from clients or employees tripping or slipping on site?

Just as you take the time to do preventive maintenance on your car or home, it is imperative to perform preventive maintenance on every aspect of your business. By taking time to implement policies and preventive measures now you will avoid liability lawsuits later on.

In other words, do not rely solely on liability coverage; instead, mange your risk.

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Thousands of small business owners just like you open themselves up to lawsuits because of unlawful employment practices and hiring policies.

Plain liability insurance may not be enough, which is why they make employment practices liability insurance.

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Liability insurance isn’t enough to protect your business. You must limit your business risks. What would you do if someone slipped, fell, and sued your company? Nobody wants to think about this situation, but lawsuits happen. 

It comes down to this: a person can’t win a lawsuit unless they can prove to and convince a judge and jury that your business was at fault.

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Unfortunately, businesses face all different kinds of theft. How vulnerable are you? First, we will identify the 4 main types of theft affecting business today. Then, we will give a few suggestions on how to minimize your risk.

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