What Happens When a Restaurant is Linked to a Disease Outbreak?

What Happens When a Restaurant is Linked to a Disease Outbreak?

The restaurant industry is known for unique risks. Predominant among these risks is the possibility of a foodborne illness outbreak. According to the U.S. Centers for Disease Control and Prevention (CDC), about 48 million Americans get sick from a foodborne pathogen each year, resulting in approximately 3000 deaths annually. While not all of these disease outbreaks stem from restaurant services, the effects on the restaurant industry can be devastating. Specialty insurance providers like U.S. Risk Underwriters know that restaurants face significant challenges in the face of a disease outbreak, potentially costing millions of dollars in business interruption, legal claims, and sanitation expenses.

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Risk Management Advice for Festivals

Risk Management Advice for Festivals

Across the country each year, festivals bring together hundreds of thousands of people. These festivals can take any number of forms and can include musical performances, arts and crafts, sports, or thrilling spectacles. For the organizers of these festivals, public events come with their share of risks. Venue owners, event promoters, and vendors each have specific risks, and as such must approach each festival with an eye toward risk management. A specialized form of liability insurance called entertainment insurance is the foundation of festival risk management. With a risk plan in place, festivals can protect their financial interests as well as deliver memorable events for participants.

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Cyber Liability Concerns for Healthcare Facilities

Cyber Liability Concerns for Healthcare Facilities

It is no secret that technology has transformed the healthcare industry. From patient tracking to developing innovative treatment protocols and managing facility providers, staff, and assets, technology has been behind some of the most dramatic advances in healthcare delivery. With more and more healthcare facilities relying on computer-based systems, however, the potential risks have evolved. Among the chief risks is that of cyber liability. In fact, healthcare cybersecurity is one of the top safety issues for today’s healthcare providers. U.S. Risk Underwriters, one of the nation’s leading providers of specialized insurance solutions, knows that cyber liability concerns can wreak havoc on a healthcare facility and its operations. In this guide, we will explore some of the liability issues revolving around cyber exposures, then present tips for defending facility staff members and financial assets from loss.

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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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