How Business Insurance Could Save Your Restaurant from COVID-19

Modern Restaurant Management

Some of our Washington and Oregon hospitality clients shut down early, while others waited for a government order; some shut down entirely, while some have tried to stay afloat by moving to to-go and delivery only. Gather Your Complete Insurance Policy.

Non-Admitted vs. Admitted Insurance for Restaurants, Bars or Taverns

Modern Restaurant Management

It is important for restaurant, tavern and bar owners to have the right insurance, however, there are so many different types of policies, and even when you zero in on what is needed, the options are often complex and difficult to compare. You are in the hospitality business. When it comes time to purchasing or renewing your insurance for general liability, liquor liability and other coverages, all policies are not created equal. Non-Admitted Insurance.

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Hospitality Insurance Group Bids Farewell to Retiring Board Member Gerald Cassidy

Hospitality Insurance Group

May 16, 2019) — A founding member of Hospitality Insurance Group’s Board of Directors has retired. Gerald Cassidy, who brought decades of insurance experience and knowledge to the Board, announced his retirement on May 8, 2019. About Hospitality Insurance Group.

Insuring The Liquor Business

Hospitality Insurance Group

Insuring The Liquor Business. Title: President and CEO, Hospitality Insurance Group. For the last three decades, Richard Welch has held a variety of roles in the insurance industry in Massachusetts and Connecticut. He spent most of his career at Travelers Insurance where he worked for 25 years, eventually rising to president and CEO of The Premiere Insurance Co. Q: How did you get into the insurance business? Name: Richard (Dick) Welch.

Restaurant Surcharges – Health Insurance vs. Tips

Blue Orbit Restaurant Consulting

Ray Camillo – Founder & CEO, Blue Orbit Restaurant Consulting A few weeks ago, my wife and I ate San Francisco. A recurring line item on our checks was “EE Benefits Surcharge” or “SF Mandates” charge. My first reaction Read More.

September 2018 Liquor Liability Insurance Policies

Hospitality Insurance Group

Take a look at some of the liquor liability insurance policies Hospitality Insurance Group wrote in September 2018 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium. If you are an Independent Insurance Agent, click here to learn more about working with Hospitality Insurance Group to provide liquor liability insurance to your customers.

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Family Ties Unite Hospitality Industry During COVID-19 Outbreak


Teaser: Many hospitality establishments team up to raise funds for staff during time of need. While the hospitality industry is suffering as a whole, restaurant owners maintain the potential to earn some income despite operating restrictions. Many establishments in hospitality are family-run businesses and for those who don’t share blood ties, the daily teamwork and camaraderie between the front and back of house can make staff feel like a family.

Count On Experienced Insurers for Your General Liability Needs

Hospitality Insurance Group

As part of an ongoing series to help business owners in the hospitality industry prevent losses, Hospitality Insurance Group is highlighting the common risks that could make businesses insolvent. President & CEO of Hospitality Insurance Group.

August 2018 Liquor Liability Insurance Policies

Hospitality Insurance Group

Take a look at some of the liquor liability insurance policies Hospitality Insurance Group wrote in August 2018 including the type of coverage included, insurance discounts applied and a glimpse at the total insurance premium. If you are an Independent Insurance Agent, click here to learn more about working with Hospitality Insurance Group to provide liquor liability insurance to your customers.

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Easter Eat-In, Potbelly Pantry and #ThePlateFund

Modern Restaurant Management

Ensuring business interruption insurance covers COVID-19. Right now, restaurants aren’t receiving the benefits they deserve from insurance companies. There are five million hospitality businesses on Tripadvisor that need help. ” Just Salad Delivers to Hospitals.

How Restaurants Can Reduce Operational Risk

Harbor Touch

Get Insured. To protect your employees and facility, get the appropriate insurance cover. HospitalityEarly risk detection is critical to the success of any business.

Video: Alcohol Awareness Training

Hospitality Insurance Group

Why Bars Should Keep Surveillance Footage For Insurance Claims. The post Video: Alcohol Awareness Training appeared first on Hospitality Insurance Group. Video: Alcohol Awareness Training. Referenced Documents: Incident Report Form. Responsible Service of Alcohol Policy.

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Culinary Cues

We have never seen anything like this. Everyone in the restaurant industry is petrified beyond today – they immediately think about how impossible it might be to dig themselves out of the hole being created.

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Video Could Provide Indisputable Evidence for Businesses

Hospitality Insurance Group

Restaurants and bars are especially susceptible to being sued in today’s environment, and Hospitality Insurance Group would like to shine a spotlight on the importance of having surveillance systems installed. “If

Restaurant Taxes: Top 12 Tax Deductions and Tips For Restaurants

Harbor Touch

Employee salaries, insurance, retirement accounts, sick leave, vacation pay, and bonuses for your cooks, servers, hosts, bartenders, dishwashers, Employee gifts of up to $25 per person, per year. Property insurance, liability insurance, and other policies designed to protect your physical restaurant location(s), employees, and customers. With Tax Day approaching, many people are getting the final touches done on their submittals.

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Tailored Policies for Business Owners like you

Hospitality Insurance Group

Hospitality Insurance Group is surveying restaurant and bar owners to develop a better understanding of challenges the industry is facing. Your responses to this survey will help Hospitality Insurance Group tailor our policies for business owners like you.

Summer is a Good Time for Restaurant Owners to Focus on Preventing Communicable Diseases

Hospitality Insurance Group

President & CEO, Hospitality Insurance Group. per year on average, resulting in over 125,000 hospitalizations and about 3,000 deaths. Another worthwhile precaution includes checking the insurance limits of your general liability coverage with your insurance carrier.

Meet Our Commercial Lines Territory Manager, Bryon Hutter!

Hospitality Insurance Group

This month, we welcomed Bryon to Hospitality Insurance Group as our new Commercial Lines Territory Manager based at our headquarters in Southborough, Massachusetts. I’ve worked in the insurance industry for over 20 years (time flies!)

Dram Shop Laws Vary by State

Hospitality Insurance Group

While laws may vary from state by state, Hospitality Insurance Group aims to shed light on what business owners should know about Dram Shop laws. In those states, insurance experts recommend that restaurant owners hold on to evidence for longer.

xtraCHEF’s List of Support Resources for the Restaurant Industry

Xtra Chef

Under the guidance, federal law permits significant flexibility for states to amend their laws to provide unemployment insurance benefits in multiple scenarios related to COVID-19 , including but not limited to: . This article was last updated on March 1 8 , 2020. .

Financial and Operational Implications of Moving to Restaurant Delivery/Takeout Only During COVID-19 Outbreak


Expanding “off-premise” insurance coverage. Start with the following: Revisit your insurance policy. Your first step will be to call your insurance provider and inquire about on-premise versus off-premise coverage. Vehicle insurance.

Your Business Could be Missing This Essential Alcohol-Related Coverage

Hospitality Insurance Group

bar, magnifying the significance of having a liquor liability insurance policy. this insurance policy covers a wide range of incidents, Hospitality Insurance Group. and Marketing at Hospitality Insurance Group. liability insurance needs.

March/April 2020 Legal Update

Modern Restaurant Management

Nair, a partner at Ervin Cohen & Jessup LLP compiles recent legal news affecting the restaurant, food and beverage and hospitality industries for Modern Restaurant Management (MRM) magazine. Pooja S.

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National Restaurant Association: We Need Help!

Modern Restaurant Management

” The Association proposed three separate categories of protection for industry restaurants and employees: directed/targeted financial relief; loans/insurance options for impacted small businesses; and tax measures. Loans/Insurance Options for Impacted Small Businesses.

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A Service of Alcohol Policy Can Help Prevent Costly Accidents

Hospitality Insurance Group

Now that we are closer to the holidays, Hospitality Insurance Group urges business owners to have a Service of Alcohol policy in place to help prevent alcohol-related incidents. Another cost to consider is the increase in the business owner’s insurance premium.

A Message on Coronavirus (COVID-19)

Hot Schedules

As Coronavirus continues to impact the restaurant and hospitality industries, we’d like to remind you of some tools that can support your teams. Preloads: Use for corporate communications on insurance changes, policy reminders, etc. . Blog. A Message on Coronavirus (COVID-19).

How the Federal Stimulus Package and Other Aid Can Provide Immediate Financial Relief for Your Restaurant Employees


Another Round, Another Rally Fund – $500 relief grants for hospitality workers who lost their jobs or who have a reduction in hours due to the pandemic. WNY Hospitality Relief Fund – Grants for qualifying restaurant employees who are struggling financially.

COVID-19 Resources for the Restaurant Industry


The spread of COVID-19 has massively impacted the restaurant and hospitality industry at national and international levels. Arkansas Hospitality Association. Kansas Restaurant & Hospital Association. Hospitality Maine. Montana Lodging and Hospitality Association.

12 Tips for Restaurant Delivery/Takeout During COVID-19 Crisis


Before repurposing your FOH staff for delivery, check with your insurance carrier to ensure that you’re covered for off-premise activity. If you’re properly insured for delivery, you can keep your servers, bartenders and other FOH staff working during this uncertain time. If you’re not insured for staff delivery, make sure that you work with third-party delivery services that are temporarily waiving or discounting commissions or other fees.

Winterproof Your Workplace

Hospitality Insurance Group

How to winterproof your workplace to avoid slip and fall insurance claims against your business during the winter months. The post Winterproof Your Workplace appeared first on Hospitality Insurance Group. Keep parking lots cleared of snow and ice, including sidewalks; have a snow & ice removal and salting schedule in place. Clear roofs from heavy snow to prevent ice dams and collapses.

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Businesses Could Accidentally Overserve Alcohol in Craft Brew Craze

Hospitality Insurance Group

President & CEO, Hospitality Insurance Group. In this blog, Hospitality Insurance Group addresses the higher alcohol content typically found in craft brews and shares strategies to help prevent overserving alcohol. By: Richard E. Welch, Jr.

Pay Online

Hospitality Insurance Group

Hospitality Insurance Group is excited to announce that we’ve recently partnered with Xpress-pay, a leading ePayment solution provider, to provide our policyholders with a faster, more convenient way of making premium payments. Hospitality Mutual Insurance Co. Hospitality Insurance Co. Hospitality Insurance Company. Hospitality Mutual Insurance Company. The post Pay Online appeared first on Hospitality Insurance Group.

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Three Trends That Will Keep Restaurateurs on Their Toes in 2020

Modern Restaurant Management

Even if restaurateurs can get around local laws, and their landlords are willing to relax probable prohibitions against on-site toking with dinner, most major insurers aren’t going to provide liability coverage at this stage of the game.

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Getting Through COVID-19: Financial, Physical, and Mental Health Tips for Restaurant Employees

7 Shifts

Financial relief programs There are many financial relief programs offered by governments and hospitality organizations to help keep restaurant workers paid during COVID-19. Contact your state’s unemployment insurance program to apply for your benefits.

Your Restaurant Business Could Be Liable if Workers Bring Coronavirus to the Table

Modern Restaurant Management

A hospitality business can file a worker’s compensation (WC) claim if a worker contracts the coronavirus and unknowingly brings it to work, putting other employees and customers at risk. Additionally, reach out to your insurance broker or workers compensation expert for more informatio.

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Everything Restaurants Have Ever Wanted to Know About the Paycheck Protection Program (PPP)

Modern Restaurant Management

Other than healthcare, the industry most impacted by the coronavirus pandemic is the hospitality and food services industry. Will the loan be forgivable if the proceeds are used to pay franchise fees, property taxes, or insurance?

How Coronavirus is Impacting Restaurants

Aaron Allen & Associates

March 18, 2020 USHG Lays Off 2,000 Employees New York-based Union Square Hospitality Group led by Danny Meyer announces they will be laying off about 80% of its staff , equivalent to 2,000 employees. Disruption from Coronavirus has been especially significant for the restaurant industry.

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Accounts Payable Jobs: What They Are and 10 Great Opportunities for 2020


Whether you have prior experience in a hospital or a shoe store, there is no shortage of specialties. Health Insurance. Life insurance. From a children's hospital to an accounting firm, these positions range in industries.

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What Now? COVID-19 Survival Guide for Restaurants

Modern Restaurant Management

Uber Eats announced efforts to support independent restaurant owners and operators as the hospitality industry faces unprecedented challenges amidst the COVID-19 state of emergency. Insurance coverages that may apply and how you need to approach the claims process.

Think You Can’t Afford to Offer Perks and Benefits to Your Team?  Think Again

Modern Restaurant Management

The hospitality business is particularly hit hard by the war for talent and the turnover is pretty high and difficult to manage. If providing health insurance is not in your budget, what if you were able to give them access to high-quality, truly affordable healthcare?

Relief for Restaurants During the COVID-19 Crisis


The Coronavirus Aid, Relief, and Economic Security (CARES) Act – a $2 trillion stimulus bill signed into law on March 27, 2020 – offers financial assistance to many of those affected in the restaurant, bar, and hospitality industries. The U.S.

Top 10 Focus Areas for Restaurants During COVID

Hot Schedules

Check with your insurance broker It’s an excellent time to see what kind of coverage you have, what coverage you might need to extend (think Delivery Drivers), and what you have that will protect you now in the current climate. Top Ten Restaurant Task List.

The Federal COVID-19 Relief Package: What it Means for YOUR Restaurant


Late Wednesday night, the Senate approved the heftiest economic rescue bill in modern history, providing $2 trillion to help Americans, hospitals and businesses withstand the consequences of the coronavirus.

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