Tag: Coverage

Help! My Restaurant Made People Sick!

Brynes Agency Insurance

Running a restaurant, you already know the reality of the risks that you take in the industry — and one major risk is a foodborne illness. If your restaurant has had an outbreak, the best thing that you can do is to not panic. Here are the steps you should take in case of an outbreak of foodborne illness.

1. Call the Health Department

Instead of waiting for someone else to do it, make calling the health department your own job. This is one way to get professionals on the job ASAP, but also to take ownership and show that you’re responsible and willing to do right by your company.

2. Contact Your Insurance

Some restaurant insurance policies contain coverage for spoiled food or loss of business thanks to foodborne illness. Contact your rep at Brynes Agency Insurance to see what your options are.

3. Get to the Bottom Of It

Food poisoning doesn’t “just happen;” there is always an underlying cause for it. Methodically go through your kitchen, freezer, and workspace to figure out what happened and how to rectify the issue.

If your patrons suddenly start getting sick, this is not the sort of reputation you were asking for. Take responsibility for an outbreak at your restaurant and take the steps to make the situation better.

Finding What Insurance Customers Want

Program Business

Insurance customers hit the market armed with a list of what they need. They are looking for a company that can offer them a wide range of products that are comprehensive and affordable. Their desire for a good price is not outdone by their need for outstanding customer service and a user-friendly system. So where can an agent go to find the right fit for their client?

Program Business

Program Business is an online platform that provides a comprehensive list of wholesalers, administrators, MGAs/MGUs and carriers to independent agents. As an agent, Program Business’s extensive directory of programs and providers gives you an unparalleled resource to service your clients.

Program Brokerage Corporation

One example of a storefront that agents can access from the Program Business platform is Program Brokerage Corporation (PBC). PBC offers a high-quality resource designed for the middle-market insured. They also offer a well-recognized purchasing group plan that has a successful track record. PBC summarizes their services as a winning combination for carriers, producers and the insured thanks to their experienced and resourcefulness. PBC invests their own financial resources in both the claims and the expense side.PBC offers insurance programs for environmental, residential, pest control, umbrella, nursing home, elevator, small business services and more.

When you need to find the right coverage for your residential or commercial clients, check out the Program Business Platform and Program Brokerage Corporation.

Necessary Insurance for Cyber Risks

cyber insurance

Necessary Insurance for Cyber Risks

Cyber attacks continue to evolve at an alarming rate, with businesses struggling to keep up. Cyber insurance is essential to allow companies to protect the business and assets, including consumer information if network security is breached.

How Coverage Helps Your Business

It seems as though there is a never-ending list of cyber risks for a business, including lost data, leaked customer information, system malfunctions and dangerous viruses. These can lead to expensive costs for businesses that must conduct forensic analysis to find the breach and the extent of the damage, as well as any costs associated with the recovery. Cyber insurance can help a company in the following ways after a breach has occurred:

 

Legal fees, including settlements
Regulatory fees, including investigations and fines
Customer and employee notification costs
Reimbursement for cyber extortion
Credit monitoring for customer accounts
Public relations expenses

Protecting Your Business From Data Breaches

Just because you have network security does not mean your business is safe from cyber attacks. Including cyber insurance as part of your commercial policy can help lessen the damage to your business, client accounts and reputation if a breach occurs. A cyber attack doesn’t have to be the end of your business and the right insurance policy can help you move forward.

Lower The Cost Of Workers Compensation Coverage Through Good Safety Practices

 

Workers Compensation Coverage
Workers Compensation Coverage

Workers compensation is a major expense for just about any auto dealership, in some cases second only to the payroll. While the cost of keeping employees safe can be high, there are ways to reduce the premiums for workers compensation coverage. If a company engages in good safety practices, the insurance carrier is likely to charge less. There are many ways to improve safety at a dealership.

 

From the Start

First of all, a dealership should be sure to hire responsible employees that are well informed of the job’s requirements. As soon as a new person joins the company, they should be educated on basic safety practices. Including a safety briefing in the new employee orientation tells the worker that their employer values safety.

 

On the Job

A dealership should make sure that all safety procedures are understood and enforced in order to prevent corners being cut. The management should take the precautions seriously and ensure that the employees are doing the same. It can help to have the safety rules posted in a prominent place.

 

Just in Case

If disaster does strike, employers should know how to respond. Injury management doesn’t end once an employee has received medical care; employers should monitor their recovery and communicate with both the hospital and insurance company. They should also takes steps to prevent a similar accident from happening again. Good safety practices like these help protect employees, keep business running, and lower the cost of workers compensation coverage.