General Liability
Commercial General Liability Coverage
Each year, roughly 1 in 6 Americans (or 48 million people) get sick, 128,000 are hospitalized, and 3,000 die of food borne diseases.
The Commercial General Liability Policy provides the insurance protection needed to pay for injuries to customers such as:
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Bodily Injury
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Slips and Falls
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Property Damages
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Product Liability
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Cuts and Bruises
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Burns and Broken Teeth
The policy also covers accidents occurring on the premises or away from the premises. In addition to the limits, the policy provides supplemental payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.
Do you know if you're fully covered?
Assault and Battery
Assault And Battery
Around 60% of claims placed against bars and nightclubs are a result of assault and battery. The claims can range from customers or employees fights, to customers claiming that the security personnel in the bar or nightclub used unreasonable force dealing with them.
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Do you know about fight Coverage?
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Employee vs. Customer: Who Will Pay?
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Does your bartender drink while working with customers?
Commercial Property Coverage
Building and Personal Property Coverage
The leading cause of fire ignition for restaurants is deep fryers, ranges, and other cooking equipment. Electrical malfunction is one of the most common causes of restaurant fires. Some examples of commercial property damage include:
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Fire Damage
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Windstorm Damage
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Lightning
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Water Damages from Pipes
Property is considered to be any item that has a value. Property can be classified as real property (buildings) or personal property.
The insuring agreement in the Building and Personal Property Coverage Form promises to pay for direct physical loss or damage to covered property.
Do you know if you're covered?
Wrongful Termination and Harassment
Wrongful Termination
Should you be worried about a bad employee who files a complaint?
Employees can be fired at anytime for any reason, but not for the wrong reasons. Here are some termination mistakes:
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Acting Inconsistently
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Retaliating
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Poor Communication
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Not Seeking Advice
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Lack of Records
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Not Having Clear Termination Policies
Harassment
Should you be worried about a bad employee who files a complaint?
Generally, criminal harassment entails intentionally targeting someone else with behavior that is meant to alarm, annoy, torment or terrorize them. Most state laws require that the behavior cause a credible threat to the person's safety or their family's safety. This includes:
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Stalking
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Menacing
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Inappropriate Touching
- Using Inappropriate or Sexual Language