R&R Insurance Blog

If you have an older building that is not up to the current building codes and a covered cause of loss occurs, you may have to provide upgrades to your facility to comply with the current building codes. The building codes could require you to install a fire sprinkler and alarm system, update electrical and plumbing, install elevators, remove asbestos, and make your building ADA compliant.

Ordinance and Law coverage is designed to provides insurance coverage to a facility in the event of these code changes.

Coverage under the LGPIF form has been reduced to $2,000,000. Previously, coverage was provided up to the total values on the policy.

At R&R Insurance, we have the ability to help you evaluate your exposure. We know how to research and read the NFIP – FIRM data. We can help you understand your exposure and offer alternative solutions. Contact me today to ensure your facility is properly insured.

• Restrictions on Flood Coverage
• Restrictions on Surface Water Coverage
• Addition of an Anti-Concurrent Causation Coverage Restriction

Cintas Corporation, a restaurant facility solutions, has named its top 13 hidden risks to restaurant operations, as well as tips on how to avoid them. Full article as appearing on QRSWeb.com

1. Slips and falls
2. Broken doors and locks
3. Dirty restrooms
4. Cooking fires
5. Identity theft
6. Cuts and burns
7. Unfocused employees
8. Ugly floors
9. Untrained workers
10. Norovirus
11. Missing fire extinguishers
12. Improperly mized chemicals
13. Natural disasters

For more information about risks to restaurants and food processing manufacturersplease contact a knowledgebroker.