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1536px){.css-1vk3is2{width:24vw;}}</style><div class="css-1vk3is2 eoibth03"><style data-emotion="css 83gwoi">.css-83gwoi{font-family:GT Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-83gwoi{font-size:3.646vw;}}@media (min-width: 1024px){.css-83gwoi{font-size:2.778vw;}}@media (min-width: 1920px){.css-83gwoi{font-size:40px;}}</style><h1 type="h1-titles-alpina-md" role="single-blog-header-title" class="css-83gwoi e3r5m8y4">5 common restaurant insurance claims and how to avoid them</h1></div><style data-emotion="css 13qnpub">.css-13qnpub{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;row-gap:2rem;}@media (min-width: 1024px){.css-13qnpub{row-gap:1.5rem;}}</style><div class="css-13qnpub eoibth01"><style data-emotion="css 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yhhdh0">.css-yhhdh0{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;row-gap:0.25rem;--tw-text-opacity:1;color:rgb(0 0 0 / var(--tw-text-opacity));font-family:Graphik Web,sans-serif;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}</style><div class="css-yhhdh0 e1rt1y0e1"><style data-emotion="css jctuft">.css-jctuft{cursor:pointer;font-size:1.250em;line-height:23px;--tw-text-opacity:1;color:rgb(0 117 255 / var(--tw-text-opacity));}.css-jctuft:hover{text-decoration-line:underline;}@media (min-width: 640px){.css-jctuft{font-size:1.125em;line-height:20.7px;}}@media (min-width: 1024px){.css-jctuft{font-size:1.375em;line-height:25px;}}</style><a role="authorNameContainer" href="https://www.nextinsurance.com/author/dan-hinman" class="css-jctuft e1rt1y0e7">By<!-- --> <!-- -->Dan Hinman</a><style data-emotion="css 9ph9zl">.css-9ph9zl{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}</style><div class="css-9ph9zl e1rt1y0e9"><div role="blog-author-date">Jul 23, 2021</div><style data-emotion="css 19silre">.css-19silre{margin-left:0.625rem;margin-right:0.625rem;height:0.25rem;width:0.25rem;-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;border-radius:9999px;--tw-bg-opacity:1;background-color:rgb(0 0 0 / var(--tw-bg-opacity));}</style><div class="css-19silre e1rt1y0e8"></div><div>7 min read</div></div></div></div><style data-emotion="css 6lv5tl">.css-6lv5tl{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-column-gap:0.625rem;column-gap:0.625rem;--tw-text-opacity:1;color:rgb(0 0 0 / var(--tw-text-opacity));}</style><div class="css-6lv5tl e1rt1y0e0"><a target="_blank" rel="noopener noreferrer" href="https://www.linkedin.com/in/danieljhinman/"><div><img role="social-icon-img" alt="Linkedin" width="30" height="30" decoding="async" data-nimg="1" style="color:transparent" src="/img/blog/linkedin.svg"/></div></a></div></div></div></div><style data-emotion="css 1exoacp">.css-1exoacp{margin-left:auto;margin-right:auto;margin-bottom:4rem;margin-top:2.5rem;}@media (min-width: 640px){.css-1exoacp{margin-top:4rem;width:62.762vw;}}@media (min-width: 768px){.css-1exoacp{width:62.630vw;}}@media (min-width: 1024px){.css-1exoacp{margin-top:5rem;width:51.181vw;}}@media (min-width: 1536px){.css-1exoacp{width:60rem;}}@media (max-width: 639px){.css-1exoacp{padding-left:4.267vw;padding-right:4.267vw;}}</style><div class="css-1exoacp e1b76dm76"><div class="blog-entry-content bg-color-lavender"><!-- wp:paragraph --> <p>When you decided to open a restaurant, you probably thought about every detail of your guests' dining experience, from the food you would serve to the atmosphere you would create. </p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>But no matter how carefully you plan, there are risks inherent in any business, and restaurants are no exception. </p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>Here are five of the most common types of insurance claims restaurants face and what you can do to help your restaurant avoid them.</p> <!-- /wp:paragraph --> <!-- wp:heading --> <h2 class="wp-block-heading" id="h-1-property-damage-from-kitchen-fires">1. Property damage from kitchen fires</h2> <!-- /wp:heading --> <!-- wp:paragraph --> <p>On average, there are over <a href="https://www.nfpa.org/-/media/Files/News-and-Research/Fire-statistics-and-reports/Building-and-life-safety/oseating.pdf">7,400 restaurant fires per year</a>. Improperly stored materials, open flames, grease build-up and faulty wiring can be a recipe for disaster in a commercial kitchen.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>Any one of these factors can start a fire. And once a fire starts, it can spread quickly, causing extensive damage.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>The good news is, there are many things you can do to help prevent fires from occurring and to minimize the damage if one starts in your kitchen.</p> <!-- /wp:paragraph --> <!-- wp:list --> <ul><!-- wp:list-item --> <li>Clean all equipment regularly to prevent grease build-up. This includes deep fat fryers, flat grills, oven hoods, grease traps and ventilation systems. Invest in professional cleaning a few times a year.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Train employees to prevent oven and deep fryer fires and teach them how to power down the equipment if there is a fire.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Install automatic extinguishing systems for deep fat fryers and stovetops, so if a fire does start, it can be put out quickly.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Install central station alarms, so everyone can respond right away no matter where they are in the restaurant. Put in automatic sprinkler systems to help extinguish flames as soon as they start.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Keep up with routine housekeeping tasks. Don't leave oily rags laying around, and keep linens, to-go boxes and other flammable materials away from open flames.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Make portable fire extinguishers easily accessible and teach your employees how to use them.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Keep an eye out for frayed or faulty wiring that could cause an electrical spark.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Have an evacuation plan to keep employees and customers safe in case there is a fire. Keep walkways clear, install sufficient lighting and make sure all exit signs and fire escapes are clearly marked.</li> <!-- /wp:list-item --></ul> <!-- /wp:list --> <!-- wp:heading --> <h2 class="wp-block-heading" id="h-2-slip-and-fall-injuries">2. Slip and fall injuries</h2> <!-- /wp:heading --> <!-- wp:paragraph --> <p>In the hustle and bustle of taking orders, preparing food, serving meals and clearing tables, it's easy for slip and fall injuries to occur. And they affect employees and customers alike.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>Floors made of slippery material, spills and uneven surfaces can increase the chance that someone will fall and hurt themselves.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>To help prevent falls, clean up spills right away and limit cleaning the floors to times when there aren't a lot of people around. If a floor is wet, be sure to put up a sign marking the area, so anyone who walks by can be extra careful.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>Choose slip-resistant flooring material and limit height differences between flooring surfaces and mats to one-half inch or less. And make sure employees wear slip-resistant shoes.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>Slips and falls don't just occur indoors. So, it's important to make sure that all outdoor walkways and parking lots are well-lit, sidewalks are in good condition with no cracks or bulging, and snow and ice are removed right away during the winter months.<br><br></p> <!-- /wp:paragraph --> <!-- wp:gallery {"linkTo":"none"} --> <figure class="wp-block-gallery has-nested-images columns-default is-cropped"><!-- wp:image {"id":11155284,"sizeSlug":"large","linkDestination":"none"} --> <figure class="wp-block-image size-large"><img src="https://www.nextinsurance.com/wp-content/uploads/2021/07/july-2021-5b.jpg" alt="" class="wp-image-11155284"/></figure> <!-- /wp:image --></figure> <!-- /wp:gallery --> <!-- wp:heading --> <h2 class="wp-block-heading" id="h-3-injuries-due-to-working-conditions">3. Injuries due to working conditions</h2> <!-- /wp:heading --> <!-- wp:paragraph --> <p>Private industry workers in full-service restaurants incurred <a href="https://www.bls.gov/opub/ted/2020/93800-nonfatal-injuries-and-illnesses-in-full-service-restaurants-in-2019.htm?view_full">93,800 nonfatal injuries and illnesses in 2019</a><strong>. </strong>Some of the most common injuries in the restaurant business are burns, cuts and sprains/strains.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>With hot food, hot plates, hot equipment and hot oil, it's easy for employees and customers to get burned.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>Let plates and food cool slightly before taking them to the table, and warn customers if a plate is hot before you sit it in front of them. Store soups and hot drinks in heat-safe containers, and make sure food runners don't carry too much at one time to help prevent spills.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>Provide all employees with the safety equipment (e.g., oven mitts, aprons, splatter shields, etc.) they need to handle ovens and fryers. And train employees on the proper way to operate all kitchen equipment, including knives and other kitchen utensils, to help prevent a trip to the ER to get stitches.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>To minimize sprains and strains, teach employees the proper way to lift and carry heavy objects. And rotate tasks that involve repetitive movements such as chopping and stirring among workers to help reduce repetitive use injuries.</p> <!-- /wp:paragraph --> <!-- wp:heading --> <h2 class="wp-block-heading" id="h-4-foodborne-illness">4. Foodborne illness</h2> <!-- /wp:heading --> <!-- wp:paragraph --> <p>Foodborne illness won't just give your restaurant a bad reputation; it can also lead to insurance claims. To prevent your customers from getting sick, it's important to:</p> <!-- /wp:paragraph --> <!-- wp:list --> <ul><!-- wp:list-item --> <li>Train employees on proper food storage and hygiene practices.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Sanitize surfaces before and after prepping food.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Store food at the proper temperature.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Make sure employees wash their hands before and after handling food and frequently throughout their shift. </li> <!-- /wp:list-item --></ul> <!-- /wp:list --> <!-- wp:paragraph --> <p>To make sure your employees are on the same page when preparing food, consider having them get a<a href="https://www.nextinsurance.com/blog/how-a-food-handler-license-can-help-your-food-service-business/"> food handler license</a>. Getting a license is easy, and they have to take a food safety course, which teaches proper food storage and personal hygiene practices, how to avoid cross-contamination, cleaning procedures and more.</p> <!-- /wp:paragraph --> <!-- wp:heading --> <h2 class="wp-block-heading" id="h-5-mechanical-equipment-failure">5. Mechanical equipment failure</h2> <!-- /wp:heading --> <!-- wp:paragraph --> <p>No one wants to come into work to discover they have to throw away all the food in the refrigerator and freezer because they stopped working overnight. While equipment can break down at any time, there are things you can do to help prevent malfunctions.</p> <!-- /wp:paragraph --> <!-- wp:list --> <ul><!-- wp:list-item --> <li>Make sure your staff is trained on how to use the equipment properly.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Clean equipment regularly.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Perform routine preventative maintenance. (e.g., changing hood filters, checking refrigerator door gaskets, etc.)<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Make necessary repairs as soon as possible.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Install proper ventilation to maximize airflow and reduce excessive heat.<br><br></li> <!-- /wp:list-item --> <!-- wp:list-item --> <li>Know when it's time to replace your existing equipment. </li> <!-- /wp:list-item --></ul> <!-- /wp:list --> <!-- wp:heading --> <h2 class="wp-block-heading" id="h-how-next-helps-you-get-the-restaurant-insurance-you-need">How NEXT helps you get the restaurant insurance you need</h2> <!-- /wp:heading --> <!-- wp:paragraph --> <p>At NEXT, we offer customized<a href="https://www.nextinsurance.com/business/restaurant-insurance/"> restaurant insurance</a> packages that make it easy to get the <a href="https://www.nextinsurance.com/business/restaurant-insurance/cost/">coverage you need </a>to protect your business. Mix and match the policies you need so you have just the right amount of coverage.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>When you complete our<a href="https://app.nextinsurance.com/quote/get-started"> online application</a>, you see your policy options, buy coverage and get your<a href="https://www.nextinsurance.com/certificate-of-insurance/"> certificate of insurance</a> in less than 10 minutes.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>If you have questions, our licensed, U.S.-based insurance professionals can help.</p> <!-- /wp:paragraph --> <!-- wp:paragraph --> <p>Get your<a href="https://app.nextinsurance.com/quote/get-started"> free quote</a> today.<br><br></p> <!-- /wp:paragraph --></div></div><style data-emotion="css gbu7du">.css-gbu7du{margin-left:auto;margin-right:auto;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (min-width: 640px){.css-gbu7du{width:62.762vw;}}@media (min-width: 768px){.css-gbu7du{width:62.630vw;}}@media (min-width: 1024px){.css-gbu7du{width:51.181vw;}}@media (min-width: 1536px){.css-gbu7du{width:60rem;}}@media (max-width: 639px){.css-gbu7du{padding-left:4.267vw;padding-right:4.267vw;}}</style><div class="css-gbu7du e1b76dm75"><style data-emotion="css 16vf7b9">.css-16vf7b9{margin-bottom:3rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;}</style><div class="css-16vf7b9 e1b76dm74"><style data-emotion="css lvi7p5">.css-lvi7p5{width:100%;border-top-width:1px;--tw-border-opacity:1;border-color:rgb(220 203 255 / var(--tw-border-opacity));}</style><div class="css-lvi7p5 e1b76dm73"></div><style data-emotion="css 1bugkx7">.css-1bugkx7{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;font-size:0.875rem;--tw-text-opacity:1;color:rgb(220 203 255 / var(--tw-text-opacity));}</style><div class="css-1bugkx7 e1b76dm72"><picture><source srcSet="/img/blog/Glasses_ReadMore.png.webp" type="image/webp"/><img src="/img/blog/Glasses_ReadMore.png" alt="5 common restaurant insurance claims and how to avoid them" loading="lazy" fetchpriority="auto"/></picture><p>END</p></div></div><style data-emotion="css omhii1">.css-omhii1{margin-bottom:4rem;border-radius:0.5rem;--tw-bg-opacity:1;background-color:rgb(202 253 255 / var(--tw-bg-opacity));padding-left:2rem;padding-right:2rem;padding-top:2rem;padding-bottom:2rem;}@media (min-width: 1024px){.css-omhii1{margin-left:auto;margin-right:auto;padding-left:3rem;padding-right:3rem;padding-top:3rem;padding-bottom:3rem;}}@media (min-width: 1536px){.css-omhii1{width:45vw;}}</style><div class="css-omhii1 e1b76dm71"><div class="css-13gnoqh e1rt1y0e10"><style data-emotion="css 14i90ph">.css-14i90ph img{-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;border-radius:9999px;width:5rem;}</style><div type="end" class="css-14i90ph e1rt1y0e2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/03/Dan-Hinman.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/03/Dan-Hinman.png" role="blog-author-image" alt="Dan Hinman" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-yhhdh0 e1rt1y0e1"><div class="css-9ph9zl e1rt1y0e9"></div><style data-emotion="css 1alznt2">.css-1alznt2{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;row-gap:0.5rem;}</style><div class="css-1alznt2 e1rt1y0e5"><style data-emotion="css 1efnzyj">.css-1efnzyj{padding-left:0.75rem;font-weight:700;}</style><div class="css-1efnzyj e1rt1y0e4">About the author</div><style data-emotion="css 1eija2h">.css-1eija2h{max-width:50vw;padding-left:0.75rem;}@media (min-width: 1280px){.css-1eija2h{max-width:33vw;}}</style><div role="blog-author-description" class="css-1eija2h e1rt1y0e3"><p>Dan Hinman is a small business insurance specialist. 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common restaurant insurance claims and how to avoid them","slug":"common-restaurant-business-insurance-claims","date":"Jul 23, 2021","content":"\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eWhen you decided to open a restaurant, you probably thought about every detail of your guests' dining experience, from the food you would serve to the atmosphere you would create.\u0026nbsp;\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eBut no matter how carefully you plan, there are risks inherent in any business, and restaurants are no exception.\u0026nbsp;\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eHere are five of the most common types of insurance claims restaurants face and what you can do to help your restaurant avoid them.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:heading --\u003e\n\u003ch2 class=\"wp-block-heading\" id=\"h-1-property-damage-from-kitchen-fires\"\u003e1. Property damage from kitchen fires\u003c/h2\u003e\n\u003c!-- /wp:heading --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eOn average, there are over \u003ca href=\"https://www.nfpa.org/-/media/Files/News-and-Research/Fire-statistics-and-reports/Building-and-life-safety/oseating.pdf\"\u003e7,400 restaurant fires per year\u003c/a\u003e. Improperly stored materials, open flames, grease build-up and faulty wiring can be a recipe for disaster in a commercial kitchen.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eAny one of these factors can start a fire. And once a fire starts, it can spread quickly, causing extensive damage.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eThe good news is, there are many things you can do to help prevent fires from occurring and to minimize the damage if one starts in your kitchen.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:list --\u003e\n\u003cul\u003e\u003c!-- wp:list-item --\u003e\n\u003cli\u003eClean all equipment regularly to prevent grease build-up. This includes deep fat fryers, flat grills, oven hoods, grease traps and ventilation systems. Invest in professional cleaning a few times a year.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eTrain employees to prevent oven and deep fryer fires and teach them how to power down the equipment if there is a fire.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eInstall automatic extinguishing systems for deep fat fryers and stovetops, so if a fire does start, it can be put out quickly.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eInstall central station alarms, so everyone can respond right away no matter where they are in the restaurant. Put in automatic sprinkler systems to help extinguish flames as soon as they start.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eKeep up with routine housekeeping tasks. Don't leave oily rags laying around, and keep linens, to-go boxes and other flammable materials away from open flames.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eMake portable fire extinguishers easily accessible and teach your employees how to use them.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eKeep an eye out for frayed or faulty wiring that could cause an electrical spark.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eHave an evacuation plan to keep employees and customers safe in case there is a fire. Keep walkways clear, install sufficient lighting and make sure all exit signs and fire escapes are clearly marked.\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\u003c/ul\u003e\n\u003c!-- /wp:list --\u003e\n\n\u003c!-- wp:heading --\u003e\n\u003ch2 class=\"wp-block-heading\" id=\"h-2-slip-and-fall-injuries\"\u003e2. Slip and fall injuries\u003c/h2\u003e\n\u003c!-- /wp:heading --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eIn the hustle and bustle of taking orders, preparing food, serving meals and clearing tables, it's easy for slip and fall injuries to occur. And they affect employees and customers alike.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eFloors made of slippery material, spills and uneven surfaces can increase the chance that someone will fall and hurt themselves.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eTo help prevent falls, clean up spills right away and limit cleaning the floors to times when there aren't a lot of people around. If a floor is wet, be sure to put up a sign marking the area, so anyone who walks by can be extra careful.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eChoose slip-resistant flooring material and limit height differences between flooring surfaces and mats to one-half inch or less. And make sure employees wear slip-resistant shoes.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eSlips and falls don't just occur indoors. So, it's important to make sure that all outdoor walkways and parking lots are well-lit, sidewalks are in good condition with no cracks or bulging, and snow and ice are removed right away during the winter months.\u003cbr\u003e\u003cbr\u003e\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:gallery {\"linkTo\":\"none\"} --\u003e\n\u003cfigure class=\"wp-block-gallery has-nested-images columns-default is-cropped\"\u003e\u003c!-- wp:image {\"id\":11155284,\"sizeSlug\":\"large\",\"linkDestination\":\"none\"} --\u003e\n\u003cfigure class=\"wp-block-image size-large\"\u003e\u003cimg src=\"https://www.nextinsurance.com/wp-content/uploads/2021/07/july-2021-5b.jpg\" alt=\"\" class=\"wp-image-11155284\"/\u003e\u003c/figure\u003e\n\u003c!-- /wp:image --\u003e\u003c/figure\u003e\n\u003c!-- /wp:gallery --\u003e\n\n\u003c!-- wp:heading --\u003e\n\u003ch2 class=\"wp-block-heading\" id=\"h-3-injuries-due-to-working-conditions\"\u003e3. Injuries due to working conditions\u003c/h2\u003e\n\u003c!-- /wp:heading --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003ePrivate industry workers in full-service restaurants incurred \u003ca href=\"https://www.bls.gov/opub/ted/2020/93800-nonfatal-injuries-and-illnesses-in-full-service-restaurants-in-2019.htm?view_full\"\u003e93,800 nonfatal injuries and illnesses in 2019\u003c/a\u003e\u003cstrong\u003e. \u003c/strong\u003eSome of the most common injuries in the restaurant business are burns, cuts and sprains/strains.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eWith hot food, hot plates, hot equipment and hot oil, it's easy for employees and customers to get burned.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eLet plates and food cool slightly before taking them to the table, and warn customers if a plate is hot before you sit it in front of them. Store soups and hot drinks in heat-safe containers, and make sure food runners don't carry too much at one time to help prevent spills.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eProvide all employees with the safety equipment (e.g., oven mitts, aprons, splatter shields, etc.) they need to handle ovens and fryers. And train employees on the proper way to operate all kitchen equipment, including knives and other kitchen utensils, to help prevent a trip to the ER to get stitches.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eTo minimize sprains and strains, teach employees the proper way to lift and carry heavy objects. And rotate tasks that involve repetitive movements such as chopping and stirring among workers to help reduce repetitive use injuries.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:heading --\u003e\n\u003ch2 class=\"wp-block-heading\" id=\"h-4-foodborne-illness\"\u003e4. Foodborne illness\u003c/h2\u003e\n\u003c!-- /wp:heading --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eFoodborne illness won't just give your restaurant a bad reputation; it can also lead to insurance claims. To prevent your customers from getting sick, it's important to:\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:list --\u003e\n\u003cul\u003e\u003c!-- wp:list-item --\u003e\n\u003cli\u003eTrain employees on proper food storage and hygiene practices.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eSanitize surfaces before and after prepping food.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eStore food at the proper temperature.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eMake sure employees wash their hands before and after handling food and frequently throughout their shift.\u0026nbsp;\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\u003c/ul\u003e\n\u003c!-- /wp:list --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eTo make sure your employees are on the same page when preparing food, consider having them get a\u003ca href=\"https://www.nextinsurance.com/blog/how-a-food-handler-license-can-help-your-food-service-business/\"\u003e food handler license\u003c/a\u003e. Getting a license is easy, and they have to take a food safety course, which teaches proper food storage and personal hygiene practices, how to avoid cross-contamination, cleaning procedures and more.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:heading --\u003e\n\u003ch2 class=\"wp-block-heading\" id=\"h-5-mechanical-equipment-failure\"\u003e5. Mechanical equipment failure\u003c/h2\u003e\n\u003c!-- /wp:heading --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eNo one wants to come into work to discover they have to throw away all the food in the refrigerator and freezer because they stopped working overnight. While equipment can break down at any time, there are things you can do to help prevent malfunctions.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:list --\u003e\n\u003cul\u003e\u003c!-- wp:list-item --\u003e\n\u003cli\u003eMake sure your staff is trained on how to use the equipment properly.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eClean equipment regularly.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003ePerform routine preventative maintenance. (e.g., changing hood filters, checking refrigerator door gaskets, etc.)\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eMake necessary repairs as soon as possible.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eInstall proper ventilation to maximize airflow and reduce excessive heat.\u003cbr\u003e\u003cbr\u003e\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\n\n\u003c!-- wp:list-item --\u003e\n\u003cli\u003eKnow when it's time to replace your existing equipment.\u0026nbsp;\u003c/li\u003e\n\u003c!-- /wp:list-item --\u003e\u003c/ul\u003e\n\u003c!-- /wp:list --\u003e\n\n\u003c!-- wp:heading --\u003e\n\u003ch2 class=\"wp-block-heading\" id=\"h-how-next-helps-you-get-the-restaurant-insurance-you-need\"\u003eHow NEXT helps you get the restaurant insurance you need\u003c/h2\u003e\n\u003c!-- /wp:heading --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eAt NEXT, we offer customized\u003ca href=\"https://www.nextinsurance.com/business/restaurant-insurance/\"\u003e restaurant insurance\u003c/a\u003e packages that make it easy to get the \u003ca href=\"https://www.nextinsurance.com/business/restaurant-insurance/cost/\"\u003ecoverage you need \u003c/a\u003eto protect your business. Mix and match the policies you need so you have just the right amount of coverage.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eWhen you complete our\u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003e online application\u003c/a\u003e, you see your policy options, buy coverage and get your\u003ca href=\"https://www.nextinsurance.com/certificate-of-insurance/\"\u003e certificate of insurance\u003c/a\u003e in less than 10 minutes.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eIf you have questions, our licensed, U.S.-based insurance professionals can help.\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e\n\n\u003c!-- wp:paragraph --\u003e\n\u003cp\u003eGet your\u003ca href=\"https://app.nextinsurance.com/quote/get-started\"\u003e free quote\u003c/a\u003e today.\u003cbr\u003e\u003cbr\u003e\u003c/p\u003e\n\u003c!-- /wp:paragraph --\u003e","nextSections":false,"lightPage":null,"postStatus":"publish","ABTestOptions":{"allowABTest":false,"type":"","variantNames":false},"LMSSerial":"90001","featuredImage":"https://www.nextinsurance.com/wp-content/uploads/2021/07/july-2021-4-802x454.jpg","bgColor":"lavender","newsletter_title":"DID YOU KNOW?","newsletter_subtitle":"You can get covered for less than $3 a day. Get insured online in minutes.","newsletter_button_text":"Check Prices","newsletter_button_url":"https://track.nextinsurance.com/links?serial=90010\u0026channel=ps\u0026source=ps\u0026position=sticky-box\u0026ni_track=true\u0026ni_it=website-activity\u0026ni_name=sticky-box-blog","relatedInternalLinks":{"isVisible":false,"isRebranded":true,"title":"","links":false},"blog_category":{"name":"Restaurant","slug":"restaurant","taxonomy":"blog-category"},"blog_business_category":{"name":"Protect","slug":"protect","taxonomy":"blog-business-category"},"category":[{"name":"Protect","slug":"protect","taxonomy":"blog-business-category"},{"name":"Restaurant","slug":"restaurant","taxonomy":"blog-category"}],"recent_posts":[{"slug":"food-liability-insurance","title":"Food liability insurance: What it is, what it costs, what it covers","featuredImage":"https://www.nextinsurance.com/wp-content/uploads/2023/11/food-liability-insurance_802x454-645x360.jpg","isNewLabel":true,"postTag":null,"category":{"taxonomy":"blog-business-category","name":"Protect","slug":"protect"},"bgColor":"white","hover_bgColor":"lavender"},{"slug":"creating-construction-scope-of-work","title":"A construction scope of work (SOW): Tips, templates and examples","featuredImage":"https://www.nextinsurance.com/wp-content/uploads/2020/09/sep-2020-10-645x360.jpg","isNewLabel":false,"postTag":null,"category":{"taxonomy":"blog-business-category","name":"Protect","slug":"protect"},"bgColor":"white","hover_bgColor":"lavender"},{"slug":"whats-the-difference-between-actual-cash-value-vs-replacement-cost-for-business-insurance","title":"Actual cash value vs. replacement cost in commercial property business insurance: Which is better?","featuredImage":"https://www.nextinsurance.com/wp-content/uploads/2021/02/feb-2021-3-645x360.jpg","isNewLabel":false,"postTag":null,"category":{"taxonomy":"blog-business-category","name":"Protect","slug":"protect"},"bgColor":"white","hover_bgColor":"lavender"}],"seo":{"title":"Top 5 Restaurant Insurance Claims and How to Avoid Them | NEXT","description":"Learn about the most common restaurant insurance claims and what you can do to avoid them. 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