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Safety and Loss Control
Our Business Insurance Solutions Are Designed to Calm Your Jitters
We’ve listed some common concerns that most beverage shops have, along with some ways we can partner to protect your business. When you’re ready to speak to an agent, find one near you using our Professional Locator.
(Please note all coverage may not be available in all states.)
| Your Worries | The Solutions | |
|---|---|---|
| What you think about | How you can help yourself | How Nationwide can help |
| If the shop needs to close for some reason – such as a fire or storm damage – how do I continue to pay my employees and bills? |
Ask your agent if this coverage is automatically built in to your
policy Review our Disaster Planning Guide for Small Businesses | Business Income Coverage |
| What if my shop inadvertently sells contaminated food or drinks and my customers get sick? |
Review Proper Food
Handling and Storage Safety Bulletin Review our Personal Hygiene for Restaurant Employees Safety Bulletin Have a contract in place for pest control | Food Contamination Coverage |
| What if one of my customers slips and falls on spilled coffee? |
Review Preventing Slips,
Trips and Falls Safety Bulletin Clean up spills quickly Mark wet areas with “wet floor” sign |
Medical Payments Coverage General Liability Coverage |
| What if I lose business because my Internet service goes down? |
Let customers know when service is down Train employees on how to respond when the Internet service is unavailable | Utility Services Coverage |
| What if one of my customers is burned by hot drinks? |
Review Hot Beverage
Safety Bulletin Make sure cups, mugs and lids contain the proper warnings |
Medical Payments Coverage General Liability Coverage |
| What if my refrigeration equipment fails? |
Have access to a backup generator Have maintenance performed on a regular basis |
Equipment Breakdown Coverage Utility Services Coverage Spoilage Coverage |
| What if my coffeemaking equipment breaks down or is damaged? |
Perform regular maintenance Have a certified electrician review all beverage equipment for proper wiring and grounding Make sure the equipment is properly vented to the outside Review Electrical Safety for Small Businesses |
Equipment Breakdown Property Coverage |
| What if a customer has an allergic reaction to my food? |
Review Food Allergens
Safety Bulletin Employees should be trained in first aid and CPR Employees should be instructed on menu ingredients |
General Liability Coverage Medical Payments Coverage |
| What if my drive-through equipment is vandalized or damaged? | Protect equipment with proper concrete barriers |
Property Coverage Outdoor Sign Coverage |
| What if one of my employees is injured on the job? |
Review Workplace Slips and Falls
Safety Bulletin Review Cut and Burn Prevention Safety Bulletin |
Workers Compensation Coverage Stop Gap Liability Coverage |
| I have a number of employees and want to steer clear of any issues with discrimination, harassment or wrongful termination. |
Review Hiring
Practice/Employee Selection Safety Bulletin Make sure policies and procedures regarding discrimination and harassment are outlined in your employee handbook | Employment Related Practices Liability Coverage |
| Do I have coverage if lightning strikes my building and causes a fire? |
Utilize surge protection for electrical equipment Make sure all electrical equipment is properly grounded Be sure your fire extinguishers are serviced on a regular basis Install a monitored fire alarm system |
Building Coverage Business Personal Property Coverage |
| What if my store is burglarized, my storefront glass is broken and money is stolen? |
Review Crime
Prevention Tips Safety Bulletin Install a monitored burglar alarm system Make frequent bank deposits to limit the amount of money on hand after hours Utilize a drop safe to limit the amount of money in the registers |
Money and Securities Coverage Property Coverage |
| What if an employee helps himself to store money? |
Review Employee Theft
Safety Bulletin Complete background and reference checks during the hiring process Record activities with security cameras and keep back-up copies Utilize a drop safe to limit the amount of money in the registers | Employee Dishonesty Coverage |
| I have employees who run business errands. Is my business protected if they are in an accident? |
Work with your agent to obtain frequent driving record checks Review Accident Procedures Safety Bulletin Review Driver Distraction Safety Bulletin Review Driver Fatigue Safety Bulletin | Non-Owned Automobile Liability Coverage |
Did You Know?
Americans consume 400 million cups of coffee per day.
– coffeestatistics.com
Want to know more?
Find
a Nationwide Insurance® agent
Did You Know?
If a customer is burned by hot coffee, Nationwide can protect you, even
if the injury occurs away from your shop.
Want to know more?
Find
a Nationwide Insurance® agent
