There are two ways to provide more property and liability insurance for your in-home business. The right choice will depend on the nature of your business, its annual receipts and the amount of coverage you need.
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 vapors. This includes flat grills, char broilers and deep fat fryers. The typical residential range (electric or gas) would not be considered a grease producing appliance. Other equipment, such as ovens, microwaves and steam kettles also fall into the non-grease producing appliance category. The following is information regarding two of the most common types of equipment that produce grease and/or grease laden vapors.
Deep Fat Fryers
Deep fat fryers are a major cause of kitchen fires. Oil can splash and easily come into contact with an open flame from an adjacent piece of cooking equipment, such as a gas-fired range top. A 18-inch clearance must be maintained between the deep fat fryer and the open flame cooking equipment. If a 18-inch clearance is not possible, a vertical steel barrier extending 12 inches above the top of the deep fat fryer or open flame appliance(s) can be used as an alternative means of protection.Read More »Commercial Kitchen Fire Safety
If a Fortune 500 company like TARGET can be hacked, what makes you think the average small business won’t be? It is a fact that Data Breaches are on the rise.
A data breach is a loss, theft, accidental release or accidental publication of Personally Identifiable Information (PII) including name, SSN, and bank and credit card accounts.
Any business. small or large, that handles or stores any private business, customer, and patient or employee data is at risk.Read More »Fortune 500 Company Suffered Data Breach
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 that can be done to prevent them. Years of experience show that proper slip, trip and fall prevention can help in reducing the number of injuries and in reducing loss costs.
Going online has become part of everyday life – whether for shopping, sending emails or paying bills, or managing accounts. However, many worry that technology-related issues, including unsolicited emails and unsecured websites, can affect information stored online. The 2013 Travelers Consumer Risk Index shows that 41% of Americans worry about computer and technology issues. These were ranked second among the top five risks causing the most concern. Taking precautions when browsing the Web can help reduce your risk of a cyber attack. Read these tips to learn how to help stay safe online.Read More »Protect your personal information from online risks
Menorahs and Christmas trees light up Main Streets across America during the holidays, but there are risks associated with these decorations. Risk management professionals and insurance agents can help business owners understand how to keep their stores festive yet hazard free during the holidays.
The holidays usually bring several things to a small business – more foot traffic, celebratory decorations and additional staff to help with boosted sales. However, with added customers and distractions, slips and trips are never far away. So when getting into the holiday spirit, you should make safety a priority.Read More »Preparing your business for potential holiday hazards
The Hartford has enhanced its FailSafe suite of professional liability offerings to address the evolving needs of technology companies with expanded coverage for data, systems and networks. “Professional liability is one of the most significant risks for technology companies today,” said Joe Coray, vice president of The Hartford’s Technology & Life Science Practice. “An alleged failure of a product or service that causes economic loss to a client’s business can result in a costly lawsuit and reputational damage.” According to The Hartford’s data, professional liability claims against technology companies average more than $200,000*. Most of these claims include allegations of… Read More »The Hartford Broadens Professional Liability Offerings for Tech Companies
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Today’s complex economic, regulatory and legal climate leaves little margin for error in running a business. Do you have the necessary comprehensive insurance protection needed to defend against all of the exposures you can face running a business in this environment? Paperless Insurance Services in partnership with A+ rated Hartford Insurance Company is excited to introduce Private Choice OvationSM (Ovation), a new and enhanced management liability coverage offering from The Hartford. Designed to help protect businesses from unforeseen loss, Ovation offers an exclusive suite of products with customizable coverage parts and limits to meet your client’s specific business needs. These coverages can help… Read More »Private Choice Ovation – Comprehensive Insurance Protection
The Nonprofit D&O Liability Program includes Coverage for Specific Federal Fines and Penalties. A common exposure that social service organizations face that is not typically covered by most D&O programs are the federal fines and penalties that can be levied against 501(c)(3) entities for alleged violations of: IRS Code section 66652(C)(1)(a) for failure to file annual 990 tax returns Public law 108-187 (CAN-Spam Act of 2003) The 1976 Lobby Law or Lobbying Disclosures Act of 1995 regulating lobbying activities Our program can provide a specified amount to pay for these fines and associated defense costs. This is just one of… Read More »Important Federal Fines Coverage for your Nonprofit Social Service Organizations