Restaurant workers compensation insurance is one of the necessary restaurant insurance policy coverage basics that you need to have in place. The coverage provides funding for injured employees, and you also receive protection from lawsuits stemming from a worker’s injuries. State laws govern workers’ compensation, and every state has a slightly different set of rules and payment rates. It’s important … Read More
Restaurant Insurance Coverage That Often Goes Unmentioned
There are many events that could be financially devastating to your restaurant. One way to protect your restaurant is through insurance. There are restaurant insurance policy coverage basics that can either get overlooked or are not offered because some agents either don’t have access to the right restaurant insurance solution or aren’t educated enough with the risks you face. There … Read More
How Experience Rating Affects Restaurant Workers Compensation Rates
I’ve already addressed how your restaurant workers compensation insurance rates are determined. The four factors are: The market tier you are in, either ‘Preferred’ or ‘The Pool’ Employee classification Your exposure which is the gross payroll per classification Experience Modification Factor also know as Experience Rating In workers compensation, the Experience Modification Factor is one of the critical components of … Read More
Tips on Using a Restaurant Fire Extinguisher
If a fire breaks out in your restaurant, the proper use of your restaurant fire extinguisher could mean the difference between a minor property loss or a major one. But there are several items to consider in using a restaurant fire extinguisher. For instance, you must know the class of fire involved and the correct type of restaurant fire extinguishers … Read More
Pizza Delivery Driver Safety Tips
A 2003 study published by the U.S. Bureau of Labor Statistics (BLS) shows the job of pizza delivery driver is a dangerous one. The Bureau of Labor Statistics puts pizza delivery drivers in the category of “driver-sales workers” and ranks them 5th on the top ten list of dangerous occupations. Pizza shop owners can avoid dangerous situations by providing the … Read More