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Restaurant Insurance – Employee Theft, The Silent Profit Killer

7/23/2010 8:40:00 AM

As the owner of a restaurant you have many things to worry about.  Where are the clients coming from? Am I putting out the best product I can? Does my targeted demographic fit my marketing plan? Where do I find quality employees? And on and on it goes. But I find that very few restaurant owners take the time to study carefully how to prevent and protect their business from employee theft.

Have You Done A Sound Check In Your Restaurant Lately?

7/13/2010 11:20:00 AM

The opportunity to enjoy an intimate conversation in many restaurants is diminishing.  Part of this is due to construction of the interior space, partly it is caused by how the interior is decorated and arranged and in some cases it is intentional.  Either way, as a restaurant owner you should take the time to evaluate and do a sound check in your own restaurant to be sure that the noise levels on a busy night are what you and your target audience are hoping for.

Restaurant Owners – What Are Your Customers Saying About You On Yelp?

6/29/2010 9:05:00 AM

If you own a restaurant, you know your lifeblood is in the words and statements your clientele says to their friends and family.  Most of this you will never know, but there is a place to find out what some people are saying publicly about your establishment.  I’m talking about a web site called yelp.   If you don’t know about it, you should take the time to find out.

Restaurant Insurance Help – Slip And Fall Issues And Cheap Ways To Prevent Them

6/11/2010 9:35:00 AM

As a restaurant owner you know the importance of minimizing risk to prevent downtime and lost time out of work.  But what you may not know is that there are some very simple changes you can make that will not only reduce your risk of loss but can also save you money on your restaurant insurance policies.  This article talks about one of the most common sources for claims in the restaurant business and the simple techniques you can employ to help prevent these claims.

Restaurant Insurance – How To File A Workers Compensation Claim

5/18/2010 1:20:00 PM

Savvy restaurant owners buy workers compensation insurance as part of their restaurant insurance program.  If you don’t and you are paying someone to work there for you, then you shouldn’t go a day more without a policy.  But assuming you already have a workers compensation policy, how exactly do you file a claim?

Restaurant Insurance – Understanding The Basics

5/12/2010 8:30:00 AM

If you are considering opening an eating establishment, then one of the hurdles you will have handle is purchasing restaurant business insurance.  You will need to know what types of insurance policies you might need and how they will affect  your business.  This article approaches this problem from an overview perspective and covers really the basic outline of the types of insurance policies that you should consider. For more details on any of these types of policies, you may want to read more of my restaurant blogs at www.RestaurantInsuranceGuy.com.

Restaurant Insurance – The Hidden Rate Bias Against BBQ and Seafood Restaurants

3/31/2010 12:05:00 PM
As a restaurant owner you get to see the world from the kitchen looking out. In the insurance world I get the same type of view, one that my restaurant clients don’t see. And from this view I can see how some types of restaurants face hidden rate biases that drive their insurance costs up. And I can also see ways that the restaurant owner can avoid these biases. One of these biases has a big impact on BBQ restaurants and seafood restaurants.

Restaurant Insurance – What is Mechanical Breakdown Coverage

3/16/2010 9:50:00 AM
Some restaurant owners have heard of mechanical breakdown coverage and some of those have a clear understanding of what it is. There are quite a number of insurance agents out there who do not really understand how this protection works. But it is a coverage add on that no restaurant should do without. Think of it this way, everyone likes to eat their food while it is hot but no one likes to eat their food while they are hot. If you can remember that, you can understand this coverage and why you need it.

Restaurant Workers Compensation Insurance – Avoid The Small Loss Temptation

3/8/2010 11:20:00 AM
Most restaurant owners understand the basics of workers compensation insurance and most have heard of the experience modification factor. And to show how a little bit of knowledge can be dangerous, many restaurant owners even know that a lot of small losses can have a dramatically negative impact on this modification factor. But using this knowledge in the wrong way can lead to behavior that carries far too much risk for the average restaurant owner.

Restaurant Insurance – Don’t Forget The Workers Compensation Policy

2/24/2010 12:20:00 PM
Restaurant insurance can be found in many different forms. One coverage that restaurant owner should have is workers compensation insurance. In North Carolina, the law states that if you have fewer than 3 employees you don’t have to purchase workers compensation insurance. But what this rule doesn’t tell you is that not buying a policy could put your very company at risk.
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