The Insurance Family Blog

If You Have Employees You Are at Risk of Having an EPLI Claim

Posted by Susie Scherff on November 9, 2010 at 12:09 PM

If you own a business, with even just one employee, you need Employment Practices Liability Insurance (EPLI).  As part of a series of articles addressing restaurant insurance, we are going to discuss this coverage from the stand point of the restaurant owner.   However, the information applies to any California business owner.

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Topics: restaurant insurance, General Liability Insurance, Employment Practices Liability Insurance (EPLI)

Restaurant Insurance - Avoiding Slip-Ups in the Workplace

Posted by Susie Scherff on July 22, 2010 at 4:07 PM

Let’s face it, accidents in restaurants happen. Most commonly an employee might slip and fall, but that is why most restaurants require non-slip soles for waiters, waitresses, and the rest of the house. But what about the people who visit your restaurant in stiletto heels or worse, wheel-bottomed Heelys?

Customer slip and fall accidents have been on the rise in many restaurants across the United States. Kurt Leisure, director of risk management for the Cheesecake Factory based in Calabasas, California, believes customer accidents should be more carefully watched by everyone working in the restaurant.

"I think it is important that restaurant companies empower their employees with the idea that a slip-or-fall hazard is everybody's problem, not just the servers' or managers'. But everybody in the front-of-the-house has a stake in it,” says Leisure.

Some tips Leisure has put in place at the Cheesecake Factory restaurants could be useful in others as well.
  • Keep collapsible wet floor signs hidden on the restaurant floor behind plants and other fixtures, so if a sudden spill occurs, the sign can be grabbed quickly making customers and other employees aware of the hazard.
  • If there is a wet spot or spill and no sign near, have a manager or hostess stand over the spot until a busser is notified and can make the area safe.
  • Make a system. Inform your staff any time there is a spill how to go about taking care of it and keeping the customers safe and your co-workers safe.
Employee slips and falls can easily be eliminated says Leisure. "The key is that you've got to have a slip-resistant shoe program , and it has to be rolled out correctly. It's the No. 1 defense against employee injury,” says Leisure as he has reduced the amount of slips and falls by 87% among the chain.”

Cuts, burns, and scrapes are the most common California workers compensation claims reported since they generally cause missed work based on the injury. Perhaps surprisingly, the cause of such happenings are usually related to slipping and falling and trying to catch yourself on the way down.

Making sure your employees are safe is important; keeping your customers safe should be a priority. Having the correct workers compensation plan in your business is important, but having general liability insurance in the case that a customer is injured should be a main concern as well.
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Topics: Business Insurance, restaurant insurance, Employment Practices Liability Insurance (EPLI)