Insurance Insights
What to Expect From Your Restaurant Health Food Inspection
Health inspections for restaurants are an important aspect of having a healthy eating environment and showing customers that you care about their safety. A clean restaurant isn’t just about getting an A grade, but protecting against the risks of unclean kitchens that lead to food poisoning and other illnesses. In general, health inspections will occur 1-4 times a year, though the exact time span and guidelines for inspections will vary by state. Get to know the guidelines in your state and keep the following tips in mind.
Gift Shop Insurance
Gift shops, also called souvenir shops, sell a myriad of gifts for consumers. General items include coffee mugs, postcards, t-shirts, figurines, and stuffed animals. Some gift shops sell specialty items such as local gift shops selling souvenirs and tourist items, while others carry one-of-a-kind handmade art and gifts. Gift shops can be located in an airport, national park, zoo, museum, amusement park, or local shopping malls. As the owner of a gift shop, you have more to worry about than running a successful business. You should also keep your different risks in mind such as damage from natural disasters, fire or flood, liabilities relating to customers getting an injury or experiencing loss from products you sell, and other general risks. You can protect your business from these risks by getting gift shop insurance.
Biking to Work – Who Needs a Car? Infographic
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Mitigating Tax Return Preparer’s Risk
As someone who prepares tax returns or owner of a small tax preparation firm, it may feel as though you’re taking a huge risk with every return you prepare. This is one form in which mistakes are not lightly tolerated—even honest ones, which is why it’s important to do everything in your power to mitigate your risk. Of course, the prudent thing to do, whenever you have questions regarding your role and/or responsibility as a tax preparer, is to consult your attorney and/or insurance provider. They are the best source of the most current and up-to-date laws as well as your responsibilities and, in the case of insurance agents, what specific situations you’re covered for.
Advertising Agency Insurance
Advertising agencies are in charge of designing and launching advertising campaigns for a wide range of businesses. These campaigns can be online, in the newspaper, on television, radio, or even in magazines and other publications. Advertising agencies often handle the creative aspect as well as putting the plans into motion, including placing marketing messages in different media outlets. Clients for advertising agencies include corporations, small businesses, government agencies, and non-profit organizations. Your ad agency will be open to a variety of risks, both with general risks and liabilities to those relating specifically to your business. You are at a high risk of advertising liabilities as well as damage to your electronic data, computers, and media equipment which can severely impact your business assets. Protect these and other risks with advertising agency insurance.
Are Your Shredding Procedures HIPAA Compliant?
The Health Insurance Portability and Accountability Act of 1996, commonly referred to as HIPAA, was created in order to safeguard the privacy of patients. Not only that, but with medical data breach on the rise, there’s even more emphasis placed on the privacy of patients’ medical records.
Small Business Workplace Safety Regulations
All small businesses should have safety regulations and safety programs in the workplace. But, it’s just as important to enforce them as it is to create these programs. An organization that offers help in this area and handles most of the official safety regulations for companies in the United States is theOccupational Safety and Health Administration (OSHA) at the US Department of Labor. OSHA is can also take some credit for the recent decline in work-related injuries as a result of negligence.
Strip Malls Commercial Insurance
A strip mall, also called a shopping center or shopping plaza, is a row of stores located side-by-side, most commonly in one-story buildings. They can be connected to each other similar to a row of offices, or have empty space between. In strip malls, there is generally a large parking lot in front of the stores and businesses. A variety of businesses are located in strip malls ranging from clothing and shoe stores to banks and hair salons. As the owner of a strip mall, you are in charge of all the tenants in the shopping center, therefore you have a great amount of responsibility for their safety. Insurance is essential for every building, including property insurance, liability insurance and signage insurance.
Counties with Small Businesses Deemed Healthier
In some communities, large corporations are taking over and plucking the wind out of the sales of small businesses. However, in other counties, small businesses are thriving and their residents are reaping health benefits as a result.
Employee Misconduct: When to Get Law Enforcement Involved
Dealing with employee misconduct is something most business owners and supervisors will have to deal with at one time or another. In some situations, though, there comes a time where you need to decide whether or not you should call the police and report the misconduct. This isn’t necessary for every type of misconduct, but when related to assault, physical violence, or the risk of harm to others, it’s often prudent to get law enforcement involved.
