How Restaurants Can Reduce the Risk of Cross-Contamination and Foodborne Illness

How Restaurants Can Reduce the Risk of Cross-Contamination and Foodborne Illness

Serving millions of people around the world, the restaurant industry faces significant risks as it conducts daily operations. Perhaps the biggest risk is that of foodborne illnesses; the U.S. Centers for Disease Control and Prevention (CDC) estimates that these illnesses affect approximately 48 million people each year in the United States alone. Sadly, foodborne illnesses are responsible for the deaths of 3000 Americans annually. Specialty insurance programs for the foodservice industry, such as those products offered by U.S. Risk Underwriters, can protect restaurants and other food service establishments against financial losses resulting from an illness outbreak. In this guide, we will explore ways that restaurants can minimize cross-contamination of food items, the leading cause of foodborne illness incidents.

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The Greatest Risks Currently Facing the Entertainment Industry

The Greatest Risks Currently Facing the Entertainment Industry

The entertainment industry is a dynamic place, with diverse projects and aspects that are continually changing. The industry aims to provide inspiration, amusement, and enjoyment to millions of people each year; from movie productions to live music performances and the theatrical arts, the entertainment industry is thriving. With those productions, however, come numerous industry risks. Some of these risks are as old as the industry itself, while others are evolving with changing societal trends. Entertainment insurance is the core of risk management in this industry, but production teams, talent, and event venue owners/ operators must be aware of the top risks they may face.

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Personal Injuries on Community Association Property: When is the Association Liable?

Personal Injuries on Community Association Property: When is the Association Liable?

In neighborhoods and community developments across the country, homeowners associations (HOAs) are tasked with maintaining neighborhood standards. These organizations may also maintain and hold jurisdiction over common areas such as walkways, streets, and amenities like playgrounds or recreation areas. The issue of liability has caused many community associations to question who is liable if someone is injured on the property, particularly visitors or other non-resident entities. Leading specialty insurers like U.S. Risk Underwriters have helped community organizations protect their assets and members from the losses associated with personal injuries; insurance is the foundation of any risk management strategy for HOAs and similar organizations.

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What Businesses Can Do to Improve Occupational Safety

What Businesses Can Do to Improve Occupational Safety

Workplace accidents can occur at any place and at any time. According to the United States Department of Labor’s Bureau of Labor Statistics, there were nearly three million non-fatal workplace injuries and illnesses reported in 2017. While the frequency and number of these workplace-related injuries are on the decline, employers still face substantial risks in their operations. Injuries occurring in the workplace account for billions of dollars in losses, including financial losses as well as losses in productivity. Occupational insurance has long been a part of the risk management protocol, but much more is needed to eliminate the sources of injury. In this guide, we will illustrate some of the steps businesses can take to improve occupational safety, reducing injury rates and their corresponding financial impacts.

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Understanding the Liabilities That Come with Event Security

Understanding the Liabilities That Come with Event Security

Event producers and venue owners know that there are many planning steps in pulling off a successful and safe event. Whether the event is a concert, a street festival, or an athletic competition, many aspects must work together to ensure adequate crowd control and event safety. Unfortunately, even the best-planned event can result in injuries and property damage, creating unforeseen liability issues. Special events insurance for concerts and other events is part of an overall risk management strategy for event planners, hosts, producers, and venue owners. There are also industry best practices that these stakeholders must employ in regards to event security. In this guide, we’ll explore the liabilities arising from security personnel and their actions or inaction, then provide details on how to minimize risk exposures associated with event security.

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Concert Risk Management: Establishing Crowd Control

Concert Risk Management: Establishing Crowd Control

For concert promoters and venue owners, event management is a complex process. To pull off a successful and safe event, the process begins with effective crowd management. Crowd control can be seen as a make-or-break component of events, including concerts, outdoor festivals, and professional sports events. Done right, and the risks associated with crowd-related injuries and property damage drops. Done poorly, the lack of effective crowd control can lead to injury, damage, or even death. Event promoters typically carry some form of concert insurance to protect against a wide range of event-related risks. Implementing crowd control methods is a vital part of the overall risk management strategy.

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Healthcare Professional Liability Costs Are On The Rise

Healthcare Professional Liability Costs Are On The Rise

Health care systems face unique challenges as they deliver medical care to millions of people each year. Healthcare costs are rising – for facilities, caregivers, and patients alike. Among the rising costs is that of professional liability insurance, which has increased dramatically due to a sharp uptick in the number of catastrophic liability claims. U.S. Risk Insurance, a leading provider of insurance solutions for the healthcare industry, knows that these rising liability costs are causing changes to the way healthcare providers and health facilities do business.

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Can Event Insurance Policies Cover Acts of Terrorism?

Can Event Insurance Policies Cover Acts of Terrorism?

Around the world, events bring people together. Whether these events are a professional sports game, a music festival, or a live art performance, large crowds can be expected. As such, these special events may be a target for acts of terrorism. Recent terrorist attacks targeting event attendees have raised the specter of terrorism insurance in the minds of event promoters, leading to many questions. Is entertainment insurance sufficient to cover the risks associated with a terrorist attack? The answer to that question is not as clear-cut as many event promoters hope.

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The Effects of the Driver Shortage on the Transportation Industry

The Effects of the Driver Shortage on the Transportation Industry

The world’s economy depends on the timely and safe delivery of goods from manufacturers to consumers. Trucking is the cornerstone of industry; without trucks and drivers, companies are limited in sales, and consumers may have difficulties in obtaining the products they demand. Looking at America’s highways and byways, one may be surprised to learn that the transportation industry is facing an unprecedented driver shortage. U.S. Risk Underwriters, a leading provider of specialty insurance solutions for the transportation industry, knows that companies are scrambling to understand the reasons behind the driver shortage. In this guide, we will take a deeper look at the U.S. driver shortage and ways that the transportation industry is addressing this challenge.

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The Greatest Sources of Injury in Welding Operations

The Greatest Sources of Injury in Welding Operations

Among occupations in the construction and manufacturing trades, welding represents one of the most hazardous. The process of joining metal parts together using high-voltage electrical currents or volatile gases and heat is inherently dangerous, even for skilled professionals. Most manufacturing operations have implemented rigorous standards to ensure the safety of their personnel; this aspect of the risk management strategy also typically includes welding and fabrication insurance to protect against liability claims. Even with these protections in place, welding remains a leading source of injury. In this guide, we will explore the greatest sources of injury in welding operations and address solutions for minimizing risks.

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