Pizza Delivery Risks

Mark StraussBusiness | Commercial Insurance, Loss Control Ideas

Having proper risk management controls in place will help you prevent accidents and can reduce your pizza delivery insurance costs. Following these recommendations will strengthen pizza delivery risks against claims and can also reduce your pizza delivery insurance costs. Pizza Delivery Risks Management Tips Have a Written Distracted Driving Policy: Develop and implement a written distracted driving policy for all … Read More

Six Ways Your Restaurant Can Prevent Cyber Crime

Mark StraussBusiness | Commercial Insurance, Loss Control Ideas

The data breach at Target should make you nervous. The reason is not because of the personal data that may have been stolen, but the way hackers infiltrated Target’s systems. Published reports state it is likely that the breach went through a refrigeration and HVAC contractor in Pittsburgh that had connected to Target’s systems to enable system maintenance, electronic contract … Read More

The Basics of Restaurant Workers Compensation Insurance

Mark StraussBusiness | Commercial Insurance, Worker's Compensation

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

Mark StraussBusiness | Commercial Insurance, Cyber Liability | Data Breach, Employment Practices Liability

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

Mark StraussBusiness | Commercial Insurance, Worker's Compensation

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