Category: H&K Blog
Protecting Restaurant Payment Systems from Data Breaches
Every day, thousands of electronic transactions take place in the restaurant industry. Because of this, hackers have targeted these same transaction systems used in order to steal customer and business information. Recently, Chipotle Mexican Grill had fallen victim to such attacks, resulting in credit card information stolen from hundreds of thousands of customers. Both […]
read more »How Does Off-Premise Liquor Liability Work?
Liquor liability is a type of insurance commonly purchased by restaurant owners and country clubs to protect their business from being held liable for patron behaviors stemming from servicing alcohol.
read more »Restaurant Food Poisoning: Are You Liable?
Food poisoning, or a foodborne illness, is a sickness caused by eating food that has been contaminated with bacteria, viruses, parasites or toxins. In the United States, there are more than 3 million cases per year.
read more »Categorizing Restaurant Payroll: Ordinary Payroll vs. Key Payroll
Many restaurant owners may not realize their options when it comes to categorizing and insuring their payroll system and employees. The two main employee payroll categories are commonly referred to as key payroll and all other. Small businesses and restaurants all need a payroll system fit for their needs. Learn what’s best for your company […]
read more »Improvements and Betterments: Who is Responsible for Covering?
When leasing a property, there’s a possibility it may need changes. Many office spaces, apartments, and condos may not fit your needs right off the bat, but with the necessary changes executed properly, it can make the space perfect for you. Now, the question becomes: who is responsible for covering these upgrades – tenant or […]
read more »How Do My Lifestyle Habits Affect My Condo Insurance?
Everyone wants somewhere to call home, and most don’t want their insurance company to adjust their premium based on the way they choose to live their life. Whether it be with pets, lifestyle habits, or location, it’s the way you want to live. You may ask though, how will these choices affect my insurance? […]
read more »Commercial Consequences: Water Vs. Flood Damage
When disaster strikes, your business can suffer immense financial loss in property damage, damaged products, and lost income. When it comes to flooding and water damage, there can be a lot of confusion with what a Businesses Owner’s Policy (BOP) covers since flooding is covered by a completely different policy. The best way to learn […]
read more »Subletting: What Absentee Landlords Need to Know – Part II
Your tenant signed a lease until the end of the year, but suddenly, they plan to leave the area before then. What happens next? If you have a responsible tenant, they’ll let you know and work with you to figure out a solution that benefits both you and them. However, some tenants may not inform […]
read more »Guide to Workers’ Compensation in the Hospitality Industry
Most business owners are familiar with what workers’ compensation is and how it protects their business. However, workers’ compensation insurance can be complex and hard to understand. This is because policies vary based on the state you operate in and the type of business that you own. Make sure your workers’ compensation policy is the […]
read more »What Are the Responsibilities of an Absentee Landlord – Part I
Most people want to invest in something that will always generate a profit. Whether they want it as a secondary income or as their main income when they retire, it can provide as a safety net in case you run into financial hardships. These businesses include laundromats, dry cleaners, or being an outside owner of […]
read more »