Category: H&K Restaurant Insurance
Do You Need Off-Premise Insurance?
A growing trend among patrons these days is having restaurants come to them as opposed to the other way around. Whether you’re primarily an off-premise restaurant or are looking to expand your services to be more competitive in the market, having insurance to protect yourself against possible liabilities is a must regardless of the situation.
read more »5 Risk Management Tips: Limiting Liquor Lawsuits
Consider one of these scenarios. Your bartender is serving a patron on a busy Saturday night. She gets slammed with patrons left and right, so she doesn’t take the time to heed signs of intoxication. Slurred speech, droopy eyelids, and the holding of the head do not signal your bartender to stop and access the […]
read more »The Basics of a Business Owner’s Policy (BOP)
Knowing the basics of a business owner’s policy can give you a better understanding of the premium you are paying for your business or home. But what is a business owner’s policy (BOP) exactly? Simply put, a BOP is a combination of liability and property insurance that enables you to pay only one premium instead […]
read more »Does Spoilage Insurance Cover Alcohol and Beverages?
If you conduct a quick Google search asking about spoilage insurance, you will read a lot about food contamination due to a power outage or equipment breakdown. But what about alcohol and beverages? Are they included? Spoilage insurance is important for any restaurant that wants to be compensated for expired, contaminated, or spoiled products. However, […]
read more »How Does Off-Premise Liquor Liability Work?
Liquor liability is a type of insurance commonly purchased by restaurant owners and country clubs to protect their business from being held liable for patron behaviors stemming from servicing alcohol.
read more »Restaurant Food Poisoning: Are You Liable?
Food poisoning, or a foodborne illness, is a sickness caused by eating food that has been contaminated with bacteria, viruses, parasites or toxins. In the United States, there are more than 3 million cases per year.
read more »Categorizing Restaurant Payroll: Ordinary Payroll vs. Key Payroll
Many restaurant owners may not realize their options when it comes to categorizing and insuring their payroll system and employees. The two main employee payroll categories are commonly referred to as key payroll and all other. Small businesses and restaurants all need a payroll system fit for their needs. Learn what’s best for your company […]
read more »Why Your Restaurant Needs Data Breach Protection
Hackers are out there. According to the 2016 Data Breach Investigations Report, in 93% of cyber breaches, attackers take only a few minutes to compromise systems. Cyber and data breach protection is becoming more necessary for restaurants because once data such as credit card information is passed on, that restaurant is held responsible for that […]
read more »What Happens When You Serve Alcohol to a Minor?
These days, college students are the culprits behind underage drinking, as it has become increasingly easier to obtain a fake ID in order to purchase alcohol products. Because of this, it has become more difficult to detect when a patron is underage—causing issues within the hospitality industry. If you want to insure your business and […]
read more »Do You Need to Insure Your Food Delivery Driver?
As a delivery driver, your mission is simple—deliver the food while it’s hot, and do it fast. Drivers who are trying to earn a big tip may not always be the safest drivers, which creates liability concerns for the business owner. Driver-sales jobs, including pizza delivery, are categorized among the most dangerous in the country; […]
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