Product Recall Insurance Explained Product Recall History and Overview The coverage has been around since the 80’s of XX’s Century. The first type of product recall insurance was called malicious product tampering, which only responded to malicious incidents. The limits were $3 million, with six-figure premiums. That’s the way it was for a couple of years. …
A meat tenderizer is used in nearly every grocery store, and when used properly, they are safe and reliable. But when a machine is in poor repair, or when the built-in safety devices are removed or circumvented, the result is all too often catastrophic. Over the years we have observed a number of situations where tenderizers …
Many small businesses and other organizations furnish company owned vehicles for transportation needs including trucks, vans, buses and automobiles. However, it is not uncommon for staff and volunteers to drive their own personal vehicles for business-related transportation. It is important to recognize that your business can be held liable for damages by allowing the use of …
Are you buying a fair amount of goods or services online and sometimes wish to leave a negative review? Do you always read the ToS fine print? Have you heard of a so called “disparagement clause”? If you own a business and are exposed to online reviews think twice before adding disparagement clause to your …
Operation of a commercial grade kitchen, many safety considerations should be addressed, including food safety, employee and volunteer safety, and fire safety. This blog post addresses the specific issues associated with providing adequate fire safety for your kitchen. Commercial cooking operations are defined as kitchens that have cooking equipment that produce grease and grease laden …
According to Underwriters Laboratories (UL): “Fire statistics show that one out of every three candle fires occurred when candles were left unattended or were inadequately controlled. One out of four fires occurred when a combustible material, such as curtains or a pillow, came too close to the candle.” As part of your organization’s risk management program, the …
Slips, trips and falls are a leading cause of injury for businesses and workplaces. Employees and other parties on your premises – visitors, customers, vendors, contractors and subcontractors – could be at risk for this type of accident or injury. It is a common misconception that slip and fall injuries “just happen” and that there is little …
Identity fraud does not always begin online. According to Travelers claim data, 44 percent of ID fraud cases happen when a person’s purse or wallet has been lost or stolen. Because thieves can use the information they find inside, here are some ways to help protect yourself and your identity. Watch your wallet and purse …
When thinking of the cause of a kitchen fire, it is common to think of cooking. But not all kitchen fires start because of cooking hazards. Non-cooking related fires commonly involve refrigerators, freezers or dishwashers. The following tips can help prevent non-cooking related fires from occurring in your kitchen. Plug all kitchen appliances, including microwaves, …
You should know exactly how to use a fire extinguisher in the event a fire develops and you feel you are safely able to fight it. It is recommended that only those trained in the proper use of fire extinguishers consider using them when appropriate. Call for help before attempting to extinguish a fire. A fire …