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The Importance of Employee Health Policies in Hospitality

The Importance of Employee Health Policies in Hospitality

In the hospitality industry, the looming specter of a disease outbreak is ever-present. Restaurants, food service companies, hotels, and cruise lines face many risks, and perhaps the risk with the most potential for negative financial consequences is that of an illness outbreak that affects patrons of the establishment. U.S. Risk Underwriters, a leading insurance broker with tailored specialty insurance programs for the hospitality industry, knows that employers must adopt employee health policies as a critical risk management step. By creating and implementing employee health standards, businesses can protect themselves against disease outbreaks, which can cost thousands or even millions of dollars in unforeseen expenses.

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Breaking Down Liquor Liability Insurance vs. Host Liquor Liability

Breaking Down Liquor Liability Insurance vs. Host Liquor Liability

Business owners that serve alcohol to guests face unique liability risks. In many states, business owners can be held liable for injuries or property damage caused by guests or patrons who are intoxicated. This can apply even to businesses that do not sell or serve alcohol; those that allow alcohol to be consumed on the premises may also be liable under state laws. To protect business assets from legal enforcement or lawsuits, business owners should strongly consider liquor liability insurance. U.S. Risk Underwriters, one of the nation’s leading providers of specialty insurance products, knows that there exists much confusion about the types of liability insurance available, particularly in the differences between liquor liability and host liquor liability policies. In this guide, we’ll break the differences down, allowing you to help clients select the right type of policy for their specific needs.

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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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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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