Food Trucks may have started as a big-city phenomenon, but their numbers are growing in big and small towns alike. While the restaurant industry continues to grow at a steady rate of approximately 2% each year, food trucks have increased at a rate of 7.9% annually over the past five years, according to FoodTruckr.com. In 2017, food trucks were a $2 million industry.

Much of the appeal may be the relatively low start-up and operating costs. But as with any business, food trucks come with their share of risks. The right type of restaurant insurance can help protect your investment if something happens. Taking proactive steps to avoid that “dreaded something” from happening can save lots of time, money, and headaches, and avoid increased restaurant insurance premiums as well.

Here are three food truck risks you should consider and tips to help you mitigate them:

Damage to Your Vehicle

Your food truck is your livelihood, and if something were to happen to it – like a fire or auto accident – that puts your vehicle out of commission for any length of time, your business could be in jeopardy. Here are some tips to avoid damage to your food truck:

• Vet your employees.
  We know you have a lot of things to consider when hiring someone new, but if they will be driving your truck, it’s essential to check their driving record. If they’ve had multiple accidents or speeding tickets, the chances of them damaging your truck in an accident are probably higher. Plus, employees with bad driving records could cost you more on commercial auto insurance.
  
  
• Drive Safely.
  While your food truck is in motion, there’s always the possibility of an accident. However, there are safety measures that you can take and that you can share with your employees such as being an alert driver, maintaining your truck, Keeping enough space between you and the vehicle in front of you, etc. Mobile-Cuisine offers these food truck driving safety Tips.

Injury to an Employee

There are a lot of dangers in the food industry that also apply to food trucks like falling, burns, cuts, etc. Your employees can be your biggest asset and your biggest liability. Practicing safety in the kitchen can help save you money on Workers’ Compensation and liability costs, and it’s just good business. Here are tips to create a safe kitchen for your food truck:

• Create and enforce a safety plan.
  This is a big one. It can be time-consuming, but it is well worth your time if it can avoid causing injury to employees or customers.
  
  
• Train your employees.
  Creating a safety plan and then simply letting it sit in a drawer gathering dust is a waste of time and money. Make sure your employees understand and follow the safety procedures you’ve put in place. Make it clear that safety is a priority and hat your safety plan isn’t just a formality, but something that every employee is expected to follow.
  
  
• Create a safe environment.
  Try to eliminate potential hazards by keeping floors clean and uncluttered, providing personal protective equipment when appropriate, properly maintaining kitchen equipment, and following manufacturers’ instructions.

Injury or Illness of a Customer

In this litigious society that we live in, every business owner needs to be aware of liability risks. If a customer standing in lines trips, falls, and hurts themselves, they could sue you. If they suffer from a food-related illness after eating your food, they could sue you. Liability insurance is a must, but here are some steps to limit injury and illness to your customers:

• To avoid food-related illnesses, follow food handling and safety measures such as storing food correctly, following proper cooking procedures, preventing cross-contamination, and practicing proper handwashing techniques.
  
  
• Ensure that the area around your truck is clear of hazards such as slippery surfaces, cords, etc., and clearly mark any potential hazards you may not be able to control.

Get the Best Commercial Insurance for Your Restaurant Business 

Being proactive is important, but sometimes no matter how careful you are, accidents still happen. This is where the right insurance can help protect your business.

The independent agents at American Insuring Group specialize in all types of Commercial Insurance. Their independence means they are free to shop the market to get you the best deal on insurance that's right for your business.  

So call us at (800) 947-1270 or (610) 775-3848, or contact us online.

Every year 48 million people get sick from a foodborne illness, 128,000 are hospitalized, and 3,000 die, according to the Center for Disease Control and Prevention, and over half of all reported foodborne illnesses are attributed to foodservice. 

In addition to the human cost (sickness, medical costs, lost work), a foodborne-illness outbreak at your restaurant can cost thousands of dollars and sometimes the loss of your business. It can cause negative media exposure, damage your reputation, decrease sales, affect staff morale, create lawsuits, and increase your restaurant insurance premiums.

Every food product that you serve has gone through several levels of the supply chain, and there are hazards at every level that can cause sickness or injury. Fortunately, these hazards can be reduced, prevented, and even eliminated.

Managing Food Safety via the HACCP System

Smart restaurant owners do what they can to reduce foodborne hazards, and there are many food safety management plans available. The Hazard Analysis Critical Control Point (HACCP) system is one of the most widely used system, and it is endorsed by the National Academy of Sciences, National Advisory Committee for Microbiological Criteria for Foods and the Codex Alimentarius as the best process control system available today. The FDA says, “HACCP is designed for use in all segments of the food industry from growing, harvesting, processing, manufacturing, distributing, and merchandising to preparing food for consumption.”

The History of HACCP and Food Safety

HACCP was introduced in the 1960s to produce the safest and highest quality food possible for astronauts in the space program. The HACCP Alliance defines the HACCP system as “a process control system that identifies where hazards might occur in the food production process and puts into place stringent actions to prevent the hazards from occurring. By strictly monitoring and controlling each step of the process, there is less chance for hazards to occur.”

A Proactive Approach to Food Safety

One of the advantages of HACCP is that it prevents food safety hazards rather than reacting to food safety hazards; it prioritizes and controls potential hazards. And it can be customized to your restaurant’s menu, customers, equipment, processes, and operations.

Compliance May not be Mandatory, but it's Really Smart!

Most restaurants are not required to have an HACCP plan, but it is one of the best systems available to ensure the safety of the food within your restaurant, and, as a big bonus, it is likely to help reduce your restaurant insurance premiums by lowering the number of insurance claims submitted.

Seven Principles of HACCP

HACCP is based on seven principles, according to the National Advisory Committee on Microbiological criteria for foods. Here they are:

Principle 1: Conduct a Hazard Analysis

Identify food safety hazards - any biological, chemical, or physical property that may cause a food to be unsafe for human consumption - and take preventative measures to control these hazards.

Principle 2: Determine Critical Control Points

A critical control point (CCP) is a point, step, or procedure in the manufacturing or preparation of food where a control can be applied to prevent, reduce, or eliminate a food safety hazard.

Principle 3: Establish Critical Limits

A critical limit is a maximum/minimum level to which a biological, chemical, or physical factor must be raised/reduced to in order to prevent, reduce, or eliminate a food safety hazard

Principle 4: Establish Monitoring Procedures

Monitoring is a planned sequence of observations or measurements to assess whether a CCP is under control and to produce an accurate record for future use in verification.

Principle 5: Establish Corrective Actions

Ideal circumstances do not always prevail and deviations from established processes may occur requiring corrective actions.

Principle 6: Verify That the System Works

Once an HACCP is in place, make sure the system is operating according to plan and delivering the desired results.

Principle 7: Keep Accurate Records and Documentation

Restaurant owners should maintain the following records: a summary of the hazard analysis - including the rationale for determining hazards and control measures - and the HACCP Plan - including a brief summary of the position responsible for performing the activity and the procedures and frequency.

Contact Us for Better Restaurant Insurance at a Better Price! 

An HACCP plan is one of the best ways to ensure the safety of the food that you serve and to protect your customers, your employees, and your bottom line.

The right restaurant insurance is a safety net that protects you in the event that all of your precautions aren’t enough.

The experienced agents at American Insuring Group specialize in Restaurant Insurance, and best of all, they're independent. That means we are free to shop the market to get a plan that matches your needs with a great price!

So give us a call at (800) 947-1270 or (610) 775-3848 or contact us online to see how we can help you save on your bar, nightclub, food truck, or any other type of restaurant insurance.

Alcohol impairs judgment, and impaired judgment can lead to damage, injuries and even death. In Pennsylvania, if you serve alcohol to a person who causes damage, injury, or death, you may be held liable. And in addition to the costs related to damage and injuries, you may also find yourself on the wrong end of a lawsuit.

Are You Protected in a Potential Lawsuit Against Your Restaurant Business?

One nasty lawsuit can significantly affect your bottom line or even put you out of business. While you may not be able to control all of your customers’ actions, there are steps you can take to protect your business such as knowing the laws in your state, knowing how to identify when someone is drunk, and having Liquor Liability Insurance as part of your restaurant insurance policy.

Learn more about restaurant insurance

Pennsylvania’s Dram Shop Law

Pennsylvania is one of 43 states that has a Dram Shop Law, which means that a business or individual who serves alcohol to a visibly intoxicated person is legally responsible for any injury or damage that person might cause. 

Restaurants, bars, clubs, taverns, or any other business that serves alcohol – whether it’s beer, wine, or spirits could end up paying the bill for damages done by an intoxicated customer.

That means that if you serve alcohol to someone who is “visibly intoxicated” and they get into a fight at your bar, one or both parties can sue you. If you serve someone who is “visibly intoxicated” and they fall and hurt themselves on the way to their car, they can hold you responsible for their injuries. If you serve alcohol to someone who is “visibly intoxicated,” and they cause an accident driving home, you may be held responsible for damage and injury to all parties involved.

The Law Applies to Private Events as Well

Dram Shop law applies not only to businesses that serve alcohol, like bars and restaurants but also to private events and can apply to someone committing other liquor violations, such as serving alcohol after hours or to minors.

An Ounce of Prevention is Worth a Pound of Cure

Of course, your best bet is just not to serve “visibly intoxicated” customers and avoid the damage or injury before it happens. But sometimes that’s easier said than done.

In Pennsylvania, driving with a Blood Alcohol Concentration (BAC) of .08 or higher is illegal, but according to the NHTSA, “… even a small amount of alcohol can affect driving ability. In 2016, there were 2,017 people killed in alcohol-related crashes where drivers had lower alcohol levels (BACs of .01 to .07 g/dL).” 

AlcoMeters Breathalyzer offers this chart to help estimate how many drinks will impair a person’s judgment. But remember, everyone absorbs and metabolizes alcohol at different rates. Things like weight, sex, medication and even what a person eats can affect their BAC, so the chart is just an estimate. Sometimes you need to use your best judgment.

Here are seven signs that a person may be intoxicated:

1. Slurred speech
2. Glassy or bloodshot eyes
3. Change in behavior
4. Difficulty finishing a thought or sentence
5. Stumbling or falling
6. Impaired fine-motor skills (such as trouble opening their wallet and paying for a drink)
7. Slow reaction time

Even if you identify someone who is drunk, it isn’t always easy to cut them off. Here are some tips:

• Tell someone else like a manager or another bartender if you’re cutting someone off.
• Enlist help from the customers’ friends.
• Calmly explain your policies and don’t be confrontational.
• Trust your judgment and stick to your decision.
• Offer to call them a taxi.
• If they become belligerent, call security or the police.

But, as you know, all best-laid plans can go awry, and that’s where Liquor Liability can become a safety net.

What is Liquor Liability Insurance?

Liquor Liability Insurance helps protect companies that manufacture, sell, or serve alcohol. It covers damages caused as the result of selling, serving, or furnishing alcoholic beverages and the cost of defending against any lawsuits filed by the intoxicated customer and/or their victim.

It’s important to note that your Commercial General Liability (CGL) insurance may not cover when alcohol is involved. Plus, some banks require Liquor Liability Insurance and many states insist on it if you have a liquor license. In Pennsylvania, the Liquor Control Board requires current liquor liability coverage for $1 million per occurrence and $2 million aggregate.

Don't Risk It 

Without Liquor Liability Coverage, you could find yourself responsible for damage and injury costs, legal fees, and civil damages that can ruin your reputation, will most certainly hurt your bottom line, and could potentially put you out of business.

Take No Chances - Get the Right Coverage at a Great Price 

The experienced agents at American Insuring Group specialize in Restaurant Insurance. We can help you get the right insurance to protect your business.

Our independent agents are free to shop the entire insurance market among many competing insurance providers. That means savings for you! Give us a call at (800) 947-1270 or (610) 775-3848 or contact us online to start saving.

Doesn’t it seem like kids grow up too fast these days? It’s easy to forget that as mature and as smart as they may seem, teenagers still lack the experience an adult has. And if you own a restaurant, there’s an excellent chance that you employ a few teenagers, which could impact your restaurant workers comp insurance costs if your accident rate increases.  

48% of all working teenagers (ages 15-17) in the U.S. work in the “leisure and hospitality” industry, which includes restaurants and other food service jobs.

This group of employees is particularly vulnerable to workplace injuries. Each year more than 210,000 teens are injured on the job, 70,000 are hospitalized, and 70 are killed, according to the U.S. Department of Labor. The injury rate for workers under the age of 25 is about two times higher than for older workers, and based on emergency room data, 38% of teens who are injured on the job are working in the leisure and hospitality industry.

Restaurant Industry Insurance Risks

Every workplace has its share of hazards, and restaurants are certainly no exception. Some of the most common dangers in the food industry include slippery floors, hot cooking equipment, and sharp objects like knives and slicers. Often teens are injured because they don’t receive adequate safety training and supervision or they’re working with unsafe equipment, or stressful conditions.

Most workplace injuries are preventable, and many of the same safety measures you take with your more mature employees also apply to teenagers. Proper training and supervision should be your first priorities. 

Reduce Risk With These Teen Safety Meaures 

Here are some safety measures for teens from the Texas Department of Insurance:

• Train them on the importance of safety and on the manufacturer’s instructions for machine use and cleaning.
• Provide appropriate personal protective equipment and available machine guarding and enforce the use of that equipment.

When teens operate a microwave oven:

• Train them on microwave safety, such as 1) following manufacturer’s instructions, 2) covering foods to avoid splattering, 3) opening tightly covered containers away from their face, 4) preventing the use of metals, foil, or whole eggs in a microwave, and 5) keeping the interior clean to avoid splattering and popping.
• Place the microwave at approximately waist level and within easy reach.
• Provide appropriate personal protective equipment such as hot pads.
• Make sure door seals are in excellent condition and free from food or grease buildup.

When teens use steamers/pressure cookers:

• Train them to shut off the steam supply and wait for the pressure to equalize before opening the lid of the pressure cooker and to stand to the side and open the pressure cooker away from themselves, keeping the open lid between them and the pressure cooker.

When teens use coffee makers:

• Train them to check to make sure the coffee filter is in place before making coffee and that the coffee has stopped dripping before removing the filter.
• Place hot coffee makers away from the edge of counters.

Comply With Child Labor Regulations

Also, you should be aware of child labor rules and regulations set by the Department of Labor and your state. There are restrictions on the hours a teen can work and restrictions that prohibit teens from using or cleaning specific equipment. Once you know the rules and regulations that apply to teens, take steps to implement safe work practices, such as labeling the equipment that teenagers are not permitted to use.

It’s your responsibility to provide a safe work environment for all of your employees, particularly teens who are more vulnerable to workplace injuries, and avoiding workplace injuries can increase production, improve employee morale, and lower insurance premiums.

Protect Your Business - Contact American Insuring Group

To learn more about saving on workers compensation insurance, restaurant insurance, or any type of coverage for your business, contact American Insuring Group online or call us at (800) 947-1270 or (610) 775-3848. Our independent insurance agents are sure to find you the right insurance at the best price. Don't take chances with your business - contact us today.

Every industry comes with its own unique set of issues and concerns when it comes to insurance; the food industry is no exception. And of course, each individual restaurant is unique. There is no one-size-fits-all when it comes to restaurant insurance.

When choosing the best insurance for your business, you need to look at what coverages are required by law and possibly by your lender, and what your risks and needs are.

Here are four questions you need to ask yourself if you want to protect your restaurant:

#1. What type of business are you insuring? 

We use the broad term “restaurant insurance,” but that can mean many different types of “restaurants”: bars, nightclubs, pizzerias, caterers, food trucks, full-service restaurants and the list goes on. Each type of business comes with its own unique risks.

#2. What are the primary types of restaurant insurance that most restaurants are required to have? 

There are three types of property and casualty insurance that every restaurant owner needs to consider: property, commercial general liability (CGL), and workers’ compensation.

Property insurance will protect the things you own such as the building, equipment, etc. The right property insurance will help you replace or repair your property if it is damaged due to a fire, storm, or theft. It may even include business interruption insurance. If you sustain damage to your restaurant that requires you to suspend operations for a period of time, business interruption insurance covers your loss of income (the profits you would have made had your restaurant been open) while the damage is repaired. 

Commercial general liability insurance (CGL) protects you from liability claims against your restaurant for property damage and bodily injury. For example, if someone in your restaurant falls and sustains injuries, they may decide to sue you. CGL insurance will help cover legal costs and any judgments or settlements against you.

Workers’ compensation insurance (WC) is mandatory in most states for most businesses with employees. WC pays for an employee’s lost wages and medical costs if they’re injured on the job. It can also help protect your business against accident-related lawsuits from your employees. 

#3. What are other risks I need to consider?

Once you have an idea what the basic types of insurance will and will not cover, you need to consider other risks that could affect your restaurant. Here are just a few examples. If you use a car to deliver food, you need to have commercial auto insurance. If you serve liquor, you should have liquor liability insurance. An experienced commercial insurance agency like American Insuring Group will help you consider all of your risks and determine which coverage is best for you.

#4. What other factors affect the cost of my insurance?

Every insurance policy is unique. An underwriter will ask lots of questions and conduct some of their own research before providing an insurance quote. Here are some of the factors insurance companies consider when determining the cost of your premium:

• Years in business
• Location
• Hours of operation
• Size of business including the number of employees, sales volume, and square footage of your property.
• Loss history
• Types of activities like entertainment, mechanical bulls, and off-premise catering.
• Percentage of alcohol sales

It’s probably no surprise that a nightclub with live entertainment that serves light fair (but mostly alcohol) and stays open until 2 am is going to pay more for insurance than a pizza parlor that doesn’t serve alcohol and is only open until 10 pm.

Obtaining the Right Insurance Policy Requires Expertise - Don't Risk It!

Purchasing the best insurance for your restaurant – one that covers all your risks at a reasonable rate – is not a simple process. It takes an experienced insurance agent to ask the right questions and offer the best solutions. That’s just one reason why trying to buy restaurant insurance online is usually not your best options.

It’s also important to note that there isn’t just one insurance company that can offer all types of restaurant insurance at the best price.

Get The American Insuring Group Advantage!

Independent insurance agencies like American Insuring Group represent many different insurance companies (in our case, lots and lots of companies!), so we can find you the best rate for any type of restaurant insurance you need.

So give us a call at (800) 947-1270 or (610) 775-3848 or connect with us online for a free insurance review!

If you have a dream of owning a restaurant, bar or nightclub, restaurant insurance is probably one of the last things you want to think about. It isn’t as exciting as creating a menu or choosing the right linens, but having the right restaurant insurance has saved many establishment owners money, headaches, and - at times - even their business.

The right insurance can protect you from all types of disasters, from a small equipment breakdown to a devastating liability lawsuit. Depending on where you’re opening your restaurant, there may be certain types of insurance that are required: many banks demand certain insurance in order to procure a loan or mortgage.

So, like it or not, it’s in your best interest to learn what you can about insurance for your restaurant, bar or club.

Types of insurance you may need as a restaurant, bar or club owner

Property Insurance

Property insurance protects your property if it sustains damage. It typically covers damage caused by fire, smoke, wind, hail, the weight of ice and snow, lightning, theft and more. It may not include natural disasters such as floods or earthquakes. If you have a mortgage on your business, property insurance is a must. 

Commercial General Liability Insurance (CGL)

Commercial General Liability Insurance protects you against liability claims for property damage and bodily injury. For example, if a customer is injured by a fall in your restaurant and sues you, CGL helps pay legal costs and any damages you are required to pay the plaintiff. In today’s litigious society, CGL is a must for almost any business owner.

Liquor Liability Insurance

If you have a liquor license, most states require that you have this insurance, and again your bank may also insist on it. Liquor Liability Insurance helps protect you if a customer drinks too much while at your establishment and hurts himself or someone else, or causes property damage.

Your CGL may cover you in some cases, but not all. “Dram Shop” laws exist in forty-three states, including Pennsylvania. Under this law, any business that gives alcohol to a visibly intoxicated person is responsible for any damage that person causes. This makes it much easier for people to sue the restaurant or bar where they have been served.

Workers’ Compensation Insurance

Workers’ Compensation Insurance is mandatory in most states, including Pennsylvania (with a few exceptions). Typically, workers’ compensation insurance pays lost wages and medical expenses incurred as a result of a work-related injury. Plus it protects the employer against accident-related lawsuits.  

Life Insurance

Life insurance coverage is another form of protection that may be required by your bank if you have a mortgage or loan with them. It is also a good idea to have life insurance if your death would cause a financial hardship for your family. There are two types of life insurance: term and permanent. A good insurance agent can help you determine the best one for your situation.

Business Interruption Insurance

If you sustain damage to your restaurant that requires you to suspend operations for a period of time, Business Interruption Insurance covers your loss of income (the profits you would have made had your restaurant been open) while the damage is repaired.

Food Contamination Insurance

No matter how careful you are, there is always a possibility that your food could become contaminated, cause food poisoning, or transmit a communicable disease. Typically, Food Contamination Insurance helps pay for lost income if the business is shut down by a government authority, clean-up expenses, food replacement, and additional advertising expenses required to restore your restaurant’s reputation.

Get to Know Your Restaurant Insurance Options - Contact Us Today! 

You may need some or all of these types of insurance, so it’s smart to understand your options. Our qualified independent insurance agents understand the local and state laws pertaining to the types and amounts of insurance you’re required to carry. They can help you determine if additional insurance is right for you.

Ask the independent agents at American Insuring Group about obtaining reliable protection at a great price. We've been helping businesses like yours for decades. So call (800) 947-1270 or (610) 775-3848, or contact us online to get affordable insurance for your restaurant, club, bar, coffee shop, food truck, or catering service.

As the owner of a restaurant, you have a lot of responsibilities – managing employees, advertising, pricing, and the list goes on.

But your most important responsibility should be safety – the safety of your employees, your customers, your property, and your business.

Restaurants do come with some unique safety challenges, but there are many steps you can take to make your restaurant a safer place to work and enjoy a delicious meal.

Better Restaurant Safety Means Fewer Claims, Lower Insurance Costs 

Every owner of a bar, tavern, club or traditional restaurant is interested in lowering his or her restaurant insurance costs. Here are some helpful tips to improve safety, organized for employees, customers, food handlers, and restaurant owners.

Safety Tips for Restaurant Employees

Food industry employees have a 60% higher rate of occupational injury or illness than workers in other industries, according to the National Safety Council. Injuries that required time off work are more than twice as frequent with food industry employees, and the risk of occupational death is 9.5 times higher for food industry employees.

The most frequent causes of injury are slips, trips, and falls. Other causes include burns, cuts, sprains and strains, and injuries resulting from repetitive motions.

Here are 4 tips to keep your employees safe in the kitchen:

1. Keep floors clean and uncluttered. Clean up spills immediately, use floor cleaners with good grease-removal and slip-resistant properties, and post “caution” signs when floors are wet. Pay particular attention to the area around ice machines.
   
   
2. Provide safety equipment/apparel such as oven mitts, anti-fatigue mats, protective eyewear, and cut-resistant gloves.
   
   
3. Provide safety training including proper knife handling, lifting techniques, and the right way to use kitchen equipment.
   
   
4. Follow manufacturer instructions on kitchen equipment, use protective gear, and properly maintain all of your equipment.

Tips for Customers and Anyone Who Prepares Food

The Center for Disease Control (CDC) estimates there are 38.4 million episodes of foodborne illness in the U.S. every year. A study by the CDC found that the riskiest food prep practices include 1) not washing hands or changing gloves between touching raw meat or poultry and ready-to-eat foods, 2) not using a thermometer to check the temperature of cooked foods, and 3) working while ill (vomiting or diarrhea).

“Safe steps in food handling, cooking, and storage are essential to prevent foodborne illness,” according to United States Department of Agriculture Food Safety and Inspection Service. “You can't see, smell, or taste harmful bacteria that may cause illness.”

Here are the four simple steps the USDA recommends during food prep:

1. Clean – wash hands and surfaces often
2. Separate – don’t cross-contaminate
3. Cook – cook to the right temperature
4. Chill – refrigerate promptly

Tips for Restaurant Owners

Between 2006 and 2010, nearly 8,000 eating and drinking establishments reported a fire every year causing an average of $246 million in property damage each year, according to the National Fire Protection Association (NFPA). More than half of those fires were caused by cooking equipment. Other causes were heating equipment, electrical distribution and lighting equipment, smoking materials, and 5% are intentionally set fires.

The National Restaurant Association offers these 6 fire safety tips:

1. Install an automatic fire-suppression system in your kitchen, which will automatically (or manually) suppress the flames and shut down the fuel or electric supply to nearby cooking equipment.
2. Have Class K portable fire extinguishers in the kitchen as a backup and Class ABC extinguishers in other areas of your restaurant.
3. Keep an eye out for electrical hazards such as frayed cords and broken switch plates and repair them immediately. Schedule regular maintenance on your electrical equipment.
4. The NFPA fire code calls for regular inspection of exhaust systems for grease buildup. Follow their guidelines based on your volume of operations.
5. Keep your kitchen clean. Remove grease from exhaust hoods, walls, work surfaces, grills, vents, etc.
6. Train your staff on how to use a fire extinguisher correctly, how to treat a grease fire, and how to properly handle flammable liquids. 

Better Safety Leads to Lower Restaraunt Insurance Costs

Implementing and enforcing safety practices and procedures at your restaurant is a great way to help ensure the safety of your property, employees, and customers. Unfortunately, even if you put every safety measure in place, accidents are bound to happen. One nasty lawsuit could set you back years or in some cases close your business.

Contact Us to Create a Safety Net For Your Restaurant!

That’s why you need a safety net - the right insurance for your restaurant, bar, nightclub, food truck, or any other type of food service business. The independent agents at American Insuring Group can help determine what type of restaurant insurance will best protect your restaurant while helping you get the best possible price. Give us a call at (800)947-1270 or (610) 775-3848 or Contact Us Online to get started.

You’ve worked hard perfecting your recipes, hiring the right people, finding the perfect location, and creating a successful business.

So why wouldn’t you do everything you can to protect all that sweat equity, including getting the proper insurance for your restaurant, bar, or nightclub?

Perhaps it’s because while most restaurant owners know they need insurance to protect their business, it’s easy to make bad decisions based on a lack of information, thereby exposing your restaurant and your personal assets to risk.

Here are 4 common misconceptions about restaurant insurance: 

Misconception #1. You Can’t Get Blood From a Stone

You may think that if you don’t have a lot of money that you simply cannot get sued. The truth is that no matter how big or small your business is or how much money you have, if a settlement against you is awarded, the courts will do everything they can to collect that money. They may seize your equipment, your bank account, and sometimes your personal assets.

 “While formal business structures like an LLC are an important first step toward safeguarding your personal assets, there’s a common misconception that incorporating will automatically protect you from all personal liability,” according to Huffington Post. “However, there are still several situations where you can be personally liable.”

One example the Huffington Post offers is, “If your actions injure someone, you can still be personally liable. This is because an LLC or corporation can protect you from personal liability for contractual lawsuits, but not against tort lawsuits. This is the reason that most professionals such as doctors take out a good professional liability insurance policy.”

Misconception #2. Nobody WIll Sue Me

We live in a very litigious society. No matter how careful you are, there is always a chance of being sued. Even if it’s a bogus claim that is dismissed, legal fees may be more than your business can afford. According to Rocket Lawyer, “The threat of a lawsuit is very real: over 100 million cases are filed in US state courts every year.”

Misconception #3. Insurance is Just Too Expensive

Do you have enough in savings to cover your restaurant if a customer or employee sues you? Probably not! A lawsuit can be costly. “Hiscox claims data for small and mid-sized businesses (under 500 employees) indicate that one in five will face employment charges with an average cost to defend of $125,000, which includes expenses such as attorney’s fees and settlement costs,” according to the Insurance Journal. “For those that did have insurance coverage, the average deductible cost was only $35,000, compared to the $90,000 balance paid out by their insurance company.”

Ask any restaurant owner who has been sued and did not have the right insurance, and they’ll tell you that the cost of insurance is worth the protection. Ask any restaurant owner who has been sued and had the right insurance, and they’ll tell you that the cost of insurance is worth the peace of mind. 

Misconception #4. I Only Hire a Few Employees, so I don’t need Workers’ Compensation Insurance

Each state has its own laws about which employers are required to provide Workers’ Compensation insurance to their employees. According to the Pennsylvania Department of Labor & Industry, “Workers' compensation coverage is mandatory for most employers under Pennsylvania law. Employers who do not have workers' compensation coverage may be subject to lawsuits by employees and to criminal prosecution by the Commonwealth.”

Protect Your Future with Affordable PA Restaurant Insurance

Don’t put your restaurant at risk. Trust the experienced Independent Insurance Agents at American Insuring Group to separate fact from fiction. You'll be confident knowing your restaurant is protected with affordable, high quality restaurant insurance.

Get started by calling us at (800) 947-1270 or (610) 775-3848, or contact us online. 

More people are getting into the food truck business than ever before. Food trucks offer a more affordable and flexible option for first-time entrepreneurs. Plus, many restaurateurs are adding food trucks to increase brand awareness and to cash in on the current growth of the food truck industry.

Food Truck Business Quadrupled in 5 Years

Food Trucks are the fastest growing channel in today’s foodservice industry. The projected food truck revenue in 2017 is expected to be $2.7 billion – compared to $650 million just five years ago - according to Foodtruckoperator.com.

Food Truck Business Risks

Like any business, food trucks face potential risks. Here are 3 main risks to consider:

1. Vehicle Risk – Food trucks are exposed to many of the same physical risks a restaurant faces such as fire, flood, and general wear and tear with the addition of automobile accidents.
   
   
2. Operator Risk – The people operating the vehicle are subject to many of the same risks a restaurant faces such as falls, cuts, and burns.
   
   
3. Liability Risks – Customers can suffer an injury such as slips or falls along with food-related illnesses. Plus, food trucks have the added liability that sometimes occurs with automobile accidents.

How to Protect Your Food Truck Business

It is your responsibility to protect your business, employees, and customers by managing these risks. There are steps you can take to prevent some them such as thoroughly screening anyone who will be driving your vehicle, following food safety guidelines, and being aware of any possible hazards both in and around your truck. Unfortunately, there will always be certain risks you don’t anticipate or can’t control. One lawsuit or one accident that you aren’t prepared for can mean the end of your business and all the hard work and financial resources you’ve put into it.

Gain Additional Protection with Food Truck Insurance

That’s where food truck insurance - which addresses risks related to most businesses and risks unique to food trucks – can help. Also, most landlords, event organizers, and venue owners will require you to have certain types of insurance. For example, most will require at least $1 million in general liability insurance. They don’t want to be held responsible for damage to your vehicle or injury to your customers. 

7 types of insurance you may want to consider for your food truck business:

1. General liability helps cover legal expenses, fines, and penalties if someone sues you.
   
   
2. Workers compensation (WC) insurance is required by many states. Within Pennsylvania, WC is mandatory for all employers with one or more employees (with a few exceptions). But with a food truck, you may find yourself traveling to other states. The National Federation of Independent Business offers a state-by-state comparison of workers’ compensation requirements.
   
   
3. Property damage insurance protects your property from damage caused by collision, theft, fire, vandalism, and other damage while your vehicle is parked. Property is divided into two separate categories: your food truck with any attached equipment and the contents of your vehicle.
   
   
4. Auto liability insurance covers you for injury or property damage to others if there is an accident while you are driving the vehicle.
   
   
5. Food spoilage coverage protects you from the costs associated with the loss of food and beverages due to spoilage. Food can quickly spoil with a prolonged power outage or an equipment breakdown, and you certainly don’t want to serve your customers spoiled food.
   
   
6. Food contamination coverage may help recover certain expenses if the health board shuts down your food truck after a food-borne illness outbreak. Contamination can be caused by mishandled or improperly stored food, employees may unknowingly transmit a virus or bacteria to the food, or the food may even be contaminated when you receive it.
   
   
7. Umbrella insurance, which goes above and beyond your general liability and auto liability limits, may be required for large contracts.

Getting the Right Insurance for Your Food Truck Business

It may sound complicated and perhaps a bit overwhelming, but the independent agents at American Insuring Group can walk you through your options and help you determine the best food truck insurance for your operation. Contact us online or give us a call at (800) 947-1270 or (610) 775-3848.

We'll compare competing insurance providers to determine those that offer the best protection at the best price to meet your needs. Contact us today to get protected and to start saving on food truck insurance!

The EOC looks at nearly 90,000 Employment Practices Liability Insurance (EPLI) claims every year, and the average cost of each case is $450,000.

If you own a restaurant, you’ve probably worked hard to build strong relationships with your staff and create an environment conducive to teamwork. If you’re lucky, you’ve found the magical formula that balances friendliness with professionalism, and you’re proudly watching as your well-oiled team creates and delivers delicious food to your customers. You and your staff may even feel like a big happy family.

But even happy families disagree and face irreconcilable differences. It happens all the time. Sometimes they can work through it, and sometimes they can’t. The same is true for employees.

Employment Issues Are 30% of Civil Litigations

The Equal Opportunity Commission (EOC) reports that employment issues make up 30% of all civil litigations in the U.S., which makes the likelihood of an employment claim against an employer higher than a property or general liability claim. And employment practices liability risks can begin the moment you interview someone.

Employment litigation claims can have a severe financial impact on a restaurant, even forcing them out of business if they do not have adequate insurance.  According to the Society for Human Resource Management, 67% of all employment cases that go to litigation result in a judgment for the plaintiff.

Larger companies tend to protect themselves against employment claims with employee policies and procedures and EPLI, but many small restaurant owners do not, and 41% of all EPLI claims are made against employers with only 15 to 100 employees.

Common EPLI Issues For Restaurants

Common issues for which a good EPLI policy can help protect your restaurant include:

• Sexual harassment
• Discrimination in hiring practices
• Wrongful termination
• Defamation of character
• Emotional distress
• Invasion of privacy
• Failure to promote

How to Protect Your Restaurant From Employment Practices Liability Risk

• Research employment laws that apply to your business.
• Create an employee handbook with detailed policies and procedures that guide you through hiring, disciplining, and terminating employees. Include policies and procedures regarding attendance, discipline, and complaints; an employment-at-will statement and an equal employment opportunity statement.
• Create job descriptions for each position that clearly defines the skills and performance expected from someone hired for that position.
• Include an equal employment opportunity statement and an employee-at-will statement on your job
• Conduct background checks on candidates.
• Conduct and document periodic performance reviews of all employees.
• Create a zero-tolerance policy regarding discrimination, substance abuse, and harassment.
• Conduct an insurance review with your insurance agent to ensure that you have adequate EPLI

What You Should Know About Employment Practices Liability Insurance

The cost of EPLI coverage is determined by factors such as the number of employees you have, the percentage of employee turnover, and if you have established practices and procedures in place. EPLI may be offered as an endorsement to your Business Owner’s Policy, General Liability Policy, or as a stand-alone policy. It usually covers the cost of defending your restaurant against the charges and any damages you are ordered to pay.

Contact Us for a Free Insurance Review

Don't take chances with your restaurant business - you've worked too hard to get to where you are today. Be sure you are properly covered for every liability.

For a FREE REVIEW of your liability insurance, contact American Insuring Group online or call us (800) 947-1270 or (610) 775-3848.