CookingwithFireBlog

Restaurant Kitchen Safety

Owning a restaurant can be very rewarding, but it is hard work. Safety is very important not only for your customers, but for your staff as well. The main cause of injury and illness in the hospitality industry is an unsafe work environment. Working in any commercial kitchen is a dangerous job. If you own a restaurant, don’t forget these safety features in your kitchen.

  1. Proper Attire: Kitchen staff uniforms are often mandatory. They designate rank and keep the chef clean and comfortable during service. However, footwear is often times overlooked. You should encourage all employees to wear heavy duty, close-toed shoes that are waterproof and slip resistant.
  2. Non-Slip Mats: In addition to slip resistant shoes, you should have non-slip mats and flooring. During service a kitchen floor can become greasy and wet. Fast moving workers can potentially slip and fall. Non-slip mats and flooring can provide the necessary traction for workers to continue their fast pace without worrying about slipping.
  3. Ventilation: Without proper ventilation, a kitchen becomes hot, smoky, and unbearable. Employees who are required to spend a long period of time in unventilated kitchens are at higher risk of heat related illnesses. Proper ventilation systems are essential for the safety and comfort for your employees.
  4. Fire Safety Equipment: Commercial kitchens are in constant danger of fires. Having a fire suppression system is essential for keeping your kitchen safe. Training your employees how to use your fire suppression system is just as important as having the system! You should also have an evacuation plan in place and practice regular fire drills.
  5. Equipment Guards: Having commercial grade equipment is essential for your kitchen to run quickly and efficiently. Employees may state that safety guards on the equipment get in the way and slow down production, but they are there for a reason! Safety guards are an effective way to prevent amputations and lacerations from poor equipment handling.
  6. Signage: Slips and falls are often times caused by undisclosed hazards such as a recently cleaned spill. It pays to have adequate signage in the kitchen to draw attention to potential hazards. Signs should be placed in visible areas and in high-contrast colors.
  7. Occupational Health and Safety Training: While this is important for workers across all industries, there are some hospitality-specific hazards you need to address with your staff. A safety seminar will address issues such as: proper food storage and handling, how to avoid repetitive stress, how to remove or avoid potential hazards in the kitchen, and more.
  8. Correct Cleaning Techniques: All kitchen staff members should be trained in proper cleaning and food handling techniques. Poor kitchen hygiene is not only dangerous to your customers, but also to the kitchen staff handling the food. Food-borne illnesses is one of the top reasons cited for missed work days.

Whether you own the restaurant, work there, or you’re a paying customer, you want to remain safe and healthy. Flames and fuel in close proximity, hazardous cleaning chemicals, and sharp food prep equipment make a commercial kitchen, by far, the most hazardous environment to work in. Kitchen safety should be a priority to protect your employees and your customers. Having proper restaurant insurance from Peterson McGregor Insurance is another step to making your restaurant safer. Give us a call at 866-547-4474 or visit us online at https://petersonmcgregor.com/ for your free restaurant insurance quote.

Source: https://pos.toasttab.com/blog/on-the-line/restaurant-kitchen-safety-tips

Saxophone_Blog

Are Musical Instruments Covered by Homeowners Insurance?

Standard homeowners insurance policies often cover musical instruments, but it might not include coverage if the instrument is being played for compensation. Situations including fire damage, vandalism and theft are often covered by homeowners insurance.

You should check your policy to find out the total coverage limit for your personal property. If you have about $150,000 to replace all of your personal items in an incident of a fire or other disaster, but your instrument is worth $50,000 alone, that only leaves $100,000 for the rest of your belongings. In cases like this, it would be a good idea to insure your instrument separately. Here are some ways to determine whether or not you may need extra coverage for your instrument(s):

  • Take an inventory of your instrument(s).
  • Figure out the value of your instrument(s), and get a professional appraisal if your instrument(s) are extremely valuable.
  • If your homeowners insurance policy isn’t enough to cover your instrument(s) in addition to the rest of your belongings, consider getting extra coverage.

There are two options for getting extra coverage for your instrument(s). One option is to endorse coverage on your current homeowners insurance policy. The other option is to get separate coverage for your instrument(s).  An endorsement on your homeowners will most likely cover a larger range of disasters that involve your instrument(s) than a standard homeowners policy does.  If you perform for a compensation, the instrument(s) may not be able to be covered at all through a homeowners insurance policy. Standalone instrument policies also often cover the instrument(s) no matter where it is at any given time. Musical instrument policies may cover the following circumstances:

  • Damage caused by temperature changes and/or humidity
  • Theft
  • Water damage
  • Flood damage
  • Earthquake damage
  • Vandalism
  • Shipment damage
  • Repair damage

Musical instrument policies may not cover:

  • Gradual deterioration
  • Mold damage
  • Damage from insects, worms, rodents, or vermin

Separate musical instrument insurance policies usually provide an agreed value coverage as well. This is important for higher valued instruments that appreciate, so that they are being insured at their full value.

Source: https://www.rollingstone.com/product-recommendations/finance/theft-music-instruments-homeowners-insurance-1214015/

_Lawn_&_Garden_Blog_1

Yard Work Safety Tips to Keep You Out of the ER

Amid all the green lawns and manicured gardens of summer lies a grim statistic: Every year, while mowing the grass, cutting a branch, or power washing a deck, at least 100 people die and an estimated 143,000 are injured badly enough to require a trip to the emergency room.

The injuries people suffer run the gamut from overexertion and dehydration to cuts and amputations from using all kinds of power equipment. It’s also worth noting that in our research, we also came across a disturbing number of injuries associated with a common piece of equipment that doesn’t have a motor at all: ladders. Falls from ladders cause more injuries than all the power equipment in our research combined, resulting in broken backs, ankles, legs, and hips.

But using power equipment can cause far worse accidents. When working in the yard turns deadly, it can be due to carbon monoxide poisoning from a gas-powered engine running in an enclosed space, for example, or people getting trapped under large equipment, like a riding lawn mower.

And it’s not just the person doing the yard work who’s at risk. Bystanders also get hurt, such as children who have been killed or injured when playing near a mower or other outdoor power gear. As your insurance agent, we strongly urge you to read and follow the following safety prevention tips to keep you, friends, and family safe this summer.

Prevention Tips

∙ Keep children away from power equipment and do not let them in the yard while you are working.

∙ Wear safety goggles, closed-toe shoes, and long pants when using lawn mowers and other machinery.

∙ Protect your hearing when using machinery.

∙ Wear gloves to lower the risk for skin irritants, cuts, and certain contaminants.

∙ Use insect repellent containing DEET to protect yourself from mosquitoes and ticks.

∙ Wear long sleeves, wide-brimmed hats, sun shades, and sunscreen to protect your skin.

∙ Follow all instructions and warnings associated with lawn equipment.

Power Equipment safety is a priority for every homeowner. You may not want to spend the extra few minutes checking the function of the equipment and inspecting the lawn. However, doing so can help prevent risks, including those related to injury to you or your family. More so, power equipment can also do damage to your home when operated improperly.

We proudly insure the residents of Michigan, and are your local independent insurance agent. We can provide coverage from many insurance carriers so you receive the insurance for your budget and needs! You can reach us at 866-547-4474 or online at https://petersonmcgregor.com/.

Sources: https://www.consumerreports.org/outdoor-safety/yard-work-safety-tips/ and https://www.lifespan.org/sites/default/files/lifespan-files/documents/centers/4-safety-program/Lawn-and-Garden-Safety-Navy-and-Marine-Corps-Public-Health-Center.pdf

Garage Blog 1

Garage Clean Out Tips

Imagine a world where you could actually park inside your garage. What if we told you that dream could be a reality with just a weekend’s worth of work?

We rounded up expert garage cleaning tips and turned them into a five-step plan you can use to get your garage organized quickly and painlessly.

  1. Take Everything Out

The first step to decluttering your garage is to find out what’s in it. Pick a section of your garage to start with and pull everything out onto the driveway to sort through. Besides making it easier to work, this garage cleaning tip will also allow you to see what space you have to work with and what types of storage might work best when it’s time to organize the items you’re keeping.

  1. Decide on Your ‘Keep’ Criteria

Once you’ve pulled everything out, it’s time to set some ground rules for deciding what to keep. This garage cleaning tip will speed up the process by preventing you from agonizing over each individual item. When deciding what to keep and what to throw away, ask yourself: “Is this item in the garage for a reason, or because I didn’t know what to do with it?” If it’s the latter, either find a use for it or get rid of it.

  1. Decide What to Do with the Garage Clutter

Whatever doesn’t make your “keep” list is, by default, clutter. Don’t let it hang around your garage any longer.

With your “keep” items set aside, start going through the rest of the stuff you pulled out of the garage. Identify items you’d like to sell or donate first. Have plastic bins, cardboard boxes or bags on hand so that you can pack up donation items as you work and stash them somewhere out of the way.

Bag up or box up junk that doesn’t make the “keep,” “sell” or “donate” piles. If you’ve rented a dumpster for your weekend cleanout, toss the garbage bags into the container as you go.

  1. Deep Clean the Space

While you’ve got your garage entirely cleaned out, it might be a good idea to scrub it down before putting things back. In general, the best way to clean up a garage is from top to bottom. Start by dusting off and wiping down the tops of your cabinets, shelves and refrigerator if you have one. Then, wipe down your garage walls and the doors of your fridge and cabinets with a warm, damp cloth and a mild household detergent. Next, sweep the floor to get rid of the dust you’ve shaken loose. Finish up by mopping and hosing off the floor. Allow the floors two to four hours to dry before putting things away. As your insurance agent, we want you to stay safe. A clean garage is a safe garage!

  1. Get Organized

Now that you’ve whittled your inventory down and finished your garage cleanup, seize the opportunity to keep clutter from building back up. So, what’s the best way to organize a garage? It depends on what exactly you need to store.

 

Cleaning out your garage not only provides the benefit of a clean space but it also works in your favor when it comes to your insurance! Here are reasons why to clean out your garage space:

  1. Safe from the elements- rain, snow, wind

This is probably one of the most obvious, but rain, snow, wind and other weather elements are enemies of a car’s exterior. They can leave dirt and acid on a vehicle that can cause significant damages to the exterior, like rust and a weakened top clear coat. UV rays from the sun can damage a vehicle in ways most car owners don’t consider. Extreme hot and extreme cold can both lead to deterioration of the inside and outside.

  1. Protects from dings and scratches from elements or other vehicles

Hail and falling tree branches are just a couple examples of ways a car can get damaged from simply being outside. Dents, scratches, and broken windows are all possible exterior problems that can occur when a vehicle is left outdoors.

  1. Less likely to have theft or vandalism

Cars are a huge investment, and for most they are one of the most valuable things they own. Parking outside leaves a vehicle exposed to vandalism and theft. A garage helps eliminate the temptation for those that want to harm a vehicle in any way.

  1. Lower insurance costs

That’s right, some insurance companies offer lower policies for people who store their vehicle in a garage. Saving money is always an advantage.

  1. Keeps vehicles exterior looking great

Believe it or not, mechanics can tell if a car is stored in a garage or outside. Vehicle exteriors are kept in much better condition when stored in a garage which can lead to greater resale values.

  1. Engine stays lubricated / Coolant stays warmer, heat/AC comes on faster

Because a garage keeps a vehicle warm, the fluid and oil are kept in a stable condition which leads to an engine that runs better than one that is kept outside. Also, with a warmer car comes faster AC and heat. On cold days, the heat will warm up faster than being out in the elements. Same is true for extremely hot days.

  1. Visibility is ready to go

Forget the ice scraper or dewy windshield. Parking in a garage helps keep windows clear of weather and condensation so there is no need to ride with one head out the window.

Parking a car in the garage seems to be a thing of the past. Garages are used for a lot of other things like storing junk or home workshops, but parking in the garage is one of the best things for a vehicle.

Peterson McGregor Insurance is an independent insurance agent located in Traverse City, Lake City, Harbor Springs/Petoskey, Cadillac, Grand Rapids and Manistee in Michigan. We can provide coverage from many insurance carriers so you receive the home insurance for your budget and needs! You can reach us at 866-547-4474 or online at https://petersonmcgregor.com/.

Source: https://www.budgetdumpster.com/blog/how-to-clean-out-your-garage-and-conquer-the-clutter-for-good/ and https://www.mrcleancarwash.com/blog/10-benefits-of-parking-a-car-in-a-garage/