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restaurant going green

How Your Restaurant Can Go Green

With federal legislators and the executive branch failing to bring about urgently needed environmental reform, the onus to act is falling on corporations, small businesses, and individuals. Everyday consumers expect and demand that the companies with whom they choose to do business launch green initiatives and adopt environmentally friendly practices. This is particularly true in the restaurant industry, which is better positioned to go green than in other sectors. Here are some ways that your restaurant can go green to win over more customers, reduce operational expenses, and contribute to the most important cause in all of history: saving the planet.

  1. Green Food Packaging

Contrary to what most people think, traditional plastic packaging usually doesn’t really get recycled. The United States’ ability to process plastics recycling is very limited. China used to process the majority of the United States’ plastics material but has ceased to accept them. Non-plastic food containers are not expensive, and they’re typically made of better quality materials.

  1. Water Conservation

A restaurant going green has to take measures to prevent water waste. Using low-flow meters and dishwashers is an excellent way to conserve water in your restaurant.

  1. Energy Efficiency

Restaurants can purchase or lease energy-efficient appliances to use less power. LED lighting requires significantly less electricity than traditional lighting. Energy efficiency not only helps the environment, but it also brings down your monthly energy bill and makes your restaurant more profitable.

cannabis-dispensary

3 Types of Insurance a Cannabis Dispensary Needs

Although new developments occur in the cannabis industry nearly daily, it is still quite misunderstood in some circles. For this reason, risk management is essential for anybody operating within the industry. Purchasing the correct cannabis insurance coverages is one of the most important methods.

  1. General Liability Insurance

The first policy your cannabis dispensary needs is general liability. You never know what could happen while a customer or employee is on the property. General liability protects you if someone is injured at your dispensary by covering some or all costs related to property damage, personal injury, medical payments, and legal defense.

  1. Product Liability Insurance

Naturally, your cannabis products undergo rigorous testing to ensure safety and quality. However, no system is error-proof, and product liability insurance protects you in case a customer claims one of your products caused him harm or injury. The coverage handles legal fees or settlements outside of court.

  1. Crime Insurance

Like any other business, a cannabis dispensary is at risk of falling victim to a crime. Crime insurance protects you from criminals, whether clients or employees. You can use it to cover inventory replacement or in a number of other situations, depending on the policy’s specifics.

Protect your business to ensure your success. Never open the doors to your cannabis dispensary until you have the proper insurance policies in place. Your agency can help you determine which coverage best meets your needs.

Nonprofit Organization

A Surprising Way to Promote Trust at Your Nonprofit

Though many people go to work for a nonprofit because they value the types of services they provide or causes they support, employee and volunteer trust is not necessarily a given. Creating an environment that establishes transparency in company practices helps to develop trust at all levels of the organization. One surprising way to open the doors to transparency is by encouraging incident reporting in nonprofits.

Open a Dialogue Around Risk Management

Filing incident reports is often an established procedure and employee responsibility. However, there are several reasons employees and volunteers neglect the process. As reported on https://visvolunteers.com, opening up communication on the shared responsibility for risk management across the organization can reduce barriers to incident reporting, such as:

  • Fear of negative impacts on an individual’s or company’s reputation
  • Concerns that issues will not be addressed
  • Fear of negative repercussions for the reporter
  • Concerns over the strength of the reporting system

Regularly inform organization personnel about the importance of filing incident reports to the improvement of company practices. When incident reports are filed, follow up with the individual who filed it, acknowledging its receipt and, if possible and appropriate, any steps that were taken to address any issues revealed in the report. Encouraging incident reporting in nonprofits helps to increase organizational transparency and employee and volunteer trust.

Cannabis Industry

Coverage Confusion in the Cannabis Industry

With the cannabis industry being newly legal in most places and still illegal in others, the approach to insurance coverage can be confusing and overwhelming. Since the industry isn’t legal nationwide, each state can set different regulations for those in the business within their state lines. Regardless of what any state requires, any business owner in the cannabis industry should have a broad range of coverage for the risks they face in the business.

Coverage for Every Stage

There is a number of coverage types when it comes to cannabis trade. CannGen insurance professionals assert the importance of understanding individual business needs and finding an insurance provider that will work with a company to customize a policy that will sufficiently cover its risks. Some policy choices include:

  • cultivation insurance
  • cannabis harvesters insurance
  • manufacturer insurance
  • laboratory insurance
  • landlord and property manager insurance
  • dispensary and smoke shop insurance
  • processor insurance

Other coverage areas like building insurance, delivery, and transport, and product liability will all be important in various stages of producing cannabis products and getting them into the hands of customers and clients.

With the help of an experienced and equipped insurance expert’s help, any cannabis business, no matter how big or small, will be able to prepare for any risks it may face and ensure long term and high-quality products and services to their clientele.

Moody Insurance

Tips for Safe Winter Riding

For many motorcyclists, the motorcycle is their primary modes of transportation. That means despite the temperatures falling and ice on the road, they are on their bike. In addition to having worldwide motorcycle insurance, these tips can help riders stay safe this winter.

Following Distance

One way to decrease the risk of an accident is to increase the following distance behind other vehicles. Slippery ice, cracks in the road or fresh salt decrease tire traction. Additional distance gives you more time to stop. The insurance firm Moody Insurance states that auto liability insurance is a requirement in most states.

Slick Conditions

Try to avoid riding when the weather turns nasty. Falling snow can quickly accumulate on the road creating slick road conditions. Those colder tires have less traction on an already slick surface. Besides heading home when the weather turns, consider carrying a kit to turn those tires into studded snow tires for added traction.

Proper Gear

A motorcycle doesn’t have the protection of a vehicle. No heater to warm those cold fingers or keep your core from freezing. Because of that, it is essential you wear proper gear when out. Layers are your friend when the temperatures drop but be sure the underlayer wicks away moisture.

Having a policy with worldwide motorcycle insurance is one way to protect yourself this winter. These other tips can help make riding more comfortable and safe.

What is a Risk Retention Group?

You may have heard the term risk retention group or RRP and wondered what it means. A risk retention group is a term used to define a type of insurance company that is owned by its members. Members are usually from similar types of businesses, which means they share a similar type of risk and liability. A risk retention group exists to assume liability and spread it between its members.

Are There State or Federal Regulations?

As a whole, insurance is regulated at the state level. This is true for everything except RRG’s. In 1986, The Federal Liability Risk Retention Act was put in place to provide affordable liability insurance options, which were lacking in the 80s. It remains in place today and is still the only insurance regulation on the federal level. Risk-retention groups are federally chartered but still require state licensure. Once an RRG is licensed in the state where it is domiciled, it can do business across state lines without further state licensing.

What Are The Advantages of Using an RRG?

Insurance companies like Caitlin Morgan Insurance Services provide direction for companies that want to be a part of a risk retention group. They can explain some of the advantages that come with a membership that includes the following:

  • not having to worry about multiple state licensing and regulations
  • custom benefits and rate structures
  • more member risk control 
  • removing market residuals