Why Self Insurance is Scary

Many companies as well as individuals have begun looking for ways to cut insurance costs. One idea that many use, or at least consider, is the concept of self-insurance. While this concept seems as though it could save some money it is important to spend some time considering all of the negatives, as well as [...]

Continue reading...
Posted in Uncategorized | Leave a comment

5 Tips to Prevent Against a Nightclub Fire

  Image source: www.inquisitr.com A nightclub fire, while rare, poses the potential to be particularly lethal because so many people are inside the nightclub and not everyone is thinking clearly, before the panic sets in. It can pose a deadly sequence of events without proper planning. But, what can you, as a nightclub owner, do [...]

Continue reading...
Posted in Bar & Nightclub | Leave a comment

Contractor’s Insurance: Is Your Coverage Sufficient?

The construction industry is accompanied by inherent risks. In fact, according to OSHA, it is one of the most dangerous professions as far as worker injuries and accidents are concerned. From falls and electrocutions to equipment failures, the chance of injury to professional construction workers is higher than other industries. Insurance coverage for contractors is [...]

Continue reading...
Posted in Contractors | Leave a comment

3 Biggest Data Breach Risks to U.S. Businesses

    U.S. businesses lost a total of $5.5 million in 2011 from data breaches, according to the 2011 Cost of Data Breach Study: United States conducted by Symantec Corporation and Ponemon Institute. While those numbers are a slight decrease than what we’ve seen in years past, they are still huge dollars lost. Part of [...]

Continue reading...
Posted in Technology | Leave a comment

5 Key Factors to Consider for Insuring Your Restaurant

                    Image source: www.trevorland.com Insurance is a necessary part of doing business today – especially for those in the food services industry. Whether you run a deli or a 5-star fine dining restaurant, there are several major factors to consider when it comes to ensuring your [...]

Continue reading...
Posted in Restaurant | Leave a comment

What is Spoilage Insurance and Why Do I Need it?

  Image source: projectvintageeats Food spoilage is a big problem for restaurants. Food spoilage doesn’t only represent food and money being washed down the drain. It also exposes your restaurant to major liability risks if patrons consume foods that have spoiled and are, as a result, exposed to food poisoning or other foodborne illnesses. What [...]

Continue reading...
Posted in Restaurant | Leave a comment

Risk Assessment

When you are trying to decide on the right insurance policy for you—be it automotive, homeowners or even a type of commercial insurance, it is important that you spend some time going over your needs, so that you can obtain enough coverage, without overspending. One of the best ways to do this is by completing [...]

Continue reading...
Posted in Uncategorized | Leave a comment

What is Liquor Liability Insurance and Why Do I Need it?

Any establishment that sells, serves, or assists in the purchase or use of liquor (i.e. dram shop) opens its doors for a liability claim as a consequence of someone getting drunk to the extent that injuries or property damages are the result. This includes restaurants, bars, nightclubs, and taverns. While it’s logical that the inebriated [...]

Continue reading...
Posted in Bar & Nightclub, Restaurant | Leave a comment

Commercial Use of a Private Vehicle

There are millions and millions of vehicles being used in the United States at any given moment, and according to the U.S Census Bureau, at least one-fourth of those are used for work purposes. You may not think about it, but even those who have non-driving based jobs may use their personal vehicle for running [...]

Continue reading...
Posted in Uncategorized | Leave a comment

How to Prepare for Your Restaurant Health Inspection

Restaurants need to be in a constant state of readiness when it comes to health inspections. As a restaurant owner or manager, if you get in the habit of living up to these safety standards every day, there is less risk that something will be overlooked or forgotten when the day of the inspection comes [...]

Continue reading...
Posted in Restaurant | Leave a comment