02 Jan
2019

How can I lower my liquor liability insurance rates?

by Dee Barnett | in Business Insurance, Insurance

If you’ve served liquor at your restaurant or company party, you may have at least one liquor liability horror story. Where there’s alcohol, there’s bound to be someone who parties a little too hard. And when a drunk person gets out of hand, they could end up hurting themselves and others. This could cause big liability issues for your business.

If you have liquor liability insurance for your business, these bodily injuries and property damage can be taken care of. However, as important as it is to have coverage for liquor liability incidents, it’s just as important to know how to prevent these mishaps in the first place. Here are 7 tips on how to reduce your chance of liquor liability before anything serious happens.

11 Oct
2018

What kind of insurance do I need for a restaurant?

by Dee Barnett | in Business Insurance, Insurance

So, your friends and family have been raving about your cooking since you were old enough to hold a spatula. Or maybe you’ve just graduated from cooking school with years of restaurant experience under your belt. Or you could be following a lifelong dream after years of planning, saving, and a worrying about all the small details. Now you have your own place to share your food with the world! (Or at least your community.)

However, there’s one very important detail to keep in mind before you open your doors: restaurant insurance.

17 Nov
2016

Sexual harassment in the restaurant workplace

by InsuranceHub | in Business Insurance

Before we begin, just take a guess at how many female restaurant employees claim sexual harassment by their own management…

“Unfortunately, it’s just become the societal norm, and we have all accepted it and we all hate it.” —Woman bartender in Houston

In a moment we will tell you how many, but first, how would you define sexual harassment? If you have employees like the managers talked about in this article, you might have a very different definition than the law. This spells trouble for you and your restaurant.

Sexual harassment includes any of the following:

Sexual jokes and innuendos
Sexual advances and propositioning
Inappropriate touching
Groping

15 Nov
2016

20 famous quotes to improve your restaurant’s customer service

by InsuranceHub | in Business Insurance

Restaurant insurance can help cover you from a lot of things, but it can’t protect you from complaints about bad service

We have recently discussed how 80% of all restaurants will close within 5 years. Your customers will only be faithful as long as you can provide:

Excellent customer service
Excellent products
Excellent experiences

Business trainer Jeffrey Gitomer tells us, “Your customers are judging every aspect of every transaction and rating everything, from the friendliness of people to the ease of doing business, to the quality of product to service after the sale.” If you miss just one of these, it could result in negative reviews on Google, Urban Spoon, or Yelp.

Negative reviews can be the death knell to a restaurant. In this article, we will talk about the importance of providing excellent service to your patrons. Sadly, many restaurants that serve excellent food are destroyed simply by bad customer service.

08 Nov
2016

Host Liquor Liability Checklist

by InsuranceHub | in Business Insurance

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:

Bar?
Tavern?
Restaurant?
Hotel?
Events?
Office parties?
Company-sponsored parties?
Client meetings?

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.

03 Nov
2016

What lessons can you learn from Denny’s restaurant?

by InsuranceHub | in Business Insurance

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?

01 Nov
2016

Tips to prevent restaurant break-ins and robberies

by InsuranceHub | in Business Insurance, Tips

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.

13 Oct
2016

Commercial Kitchen Safety Checklist

by InsuranceHub | in 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?

11 Oct
2016

Proper safety training could help save your restaurant

by InsuranceHub | in Business Insurance

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.