How to open a retail store during COVID-19

How to open a retail store during COVID-19

We’re here to help our valued commercial clients navigate the first phase of reopening businesses in Miami-Dade County. Re-opening your business can happen in a safe, healthy, and organized manner.

If you’re a retail store owner, make sure to follow these protocols to ensure a responsible opening that prioritizes the health, safety, and well-being of both patrons and staff.

How Do I Prepare My Retail Store To Reopen?
Before re-opening, schedule a maintenance appointment to check these key parts of your business to ensure your customers are shopping in a safe and sanitary environment.

  • Plumbing
  • HVAC systems & filters to ensure they are working to the best of their capacity.
  • Restrooms
  • Air quality and ventilation

Plan to implement these steps to keep your store running smoothing while adhering to COVID-19 safety precautions.

  • Stock ample supplies of soap, hand sanitizer, cleaning materials, and protective equipment
  • Create plans for parking and install self-dispensing hand sanitizer at the entrance of your retails shop.
  • Set up self-checkout or contactless payment system
  • Eliminate the use of common water fountains and interactive displays
  • Post CDC signage in publicly trafficked locations
  • Create visible floor markings for appropriate 6-foot distancing

Additional Retail Specific Safety To Keep In Mind

Limit the number of staff and customers to a maximum of 50 percent of mall/store occupancy. Consider placing signs that encourage people to offer preferential treatment elderly, persons with disabilities, pregnant women, and families with small children

If your retail store handles merchandise, particularly clothing, make sure to sanitize clothes between uses or place it on hold for 24 hours before being returned to shelves. Cart and basket handles must be sanitized between uses. Navigating these rules might be particularly hard for vulnerable groups, consider setting specific shopping hours for the elderly, persons with disabilities, and pregnant women.

There are many things to keep in mind when re-opening your business. We’re here to make sure you’re covered and take the right steps to re-open. Schedule an appointment by emailing Manuel at mg@allnationinsurance.com or by calling us at 1-305-220-0900

Thank you,
All Nation Insurance

Reading Material:
Miami-Dade Initial Reopening Plan
COVID-19 Reopening: Industry Specific Requirements
 

Why Do Restaurants Need Restaurant Insurance?

Why Do Restaurants Need Restaurant Insurance?

Restaurant insurance is vital to the success of a restaurant. The possibility of accidents occurring in your business and on the premises are great. To see what I mean, check out these statistics from the U.S. Bureau of Labor Statistics Food Services and Drinking Fatalities, Injuries, and Illnesses report and the injuries, illnesses, and fatalities report.

  • 120 – fatalities in the food services and drinking places industry
  • 69, 950 – incidents involving work place accidents resulting in loss of work
  • 10 – average median days away from work due to injuries
  • 168 – cases per 10,000 full time employees

These statistics are alarming and demonstrate why restaurant insurance is so important. Accidents such as fires, slip and fall incidents and even people who get sick from eating your food can be covered by your insurance.

What is Business Insurance?

All businesses need insurance coverage in order to protect them from potential losses due to slip and fall incidents, fires and so forth. Having restaurant insurance also prevents business owners from losing property completely. Property unlikely to be recovered after a fire, severe weather incident or other unexpected event are personal items, expensive equipment and business vehicles. With the proper restaurant insurance coverage, a claim can be filed to recover losses including any medical expenses occurred by employees and customers.

Having insurance avoids being sued!

When a business owner fails to obtain and maintain business insurance, that person opens him or herself up to being liable for any judgments being settle against him or her and their business. The judgment can garnish wages, bank accounts, and some small businesses may be held personally liable for debts through person assets. As you can see, obtaining the right restaurant insurance coverage can protect your from liability claims.

Types of Business insurance you can obtain

There is more than one type of business insurance available, however several of these may be packaged together into one lump policy. It is up to the business owner and their insurance agent to decide which plan is right for them. Below is a list of some of the different type of insurance available.

Property and Casualty Insurance

Whether you are renting or leasing the physical location of your business, property insurance will cover it when flooding, fire, theft, tornado and or an earthquake occurs. Casualty only covers the operation of the business, which of course is grouped with property insurance.

Commercial Auto Insurance

This insurance type covers your business due to any loss or damage to company vehicles as well as damaged that may have occurred from the company’s vehicle to others.

Liability Insurance

Liability insurance covers you if someone decides to sue you for negligence. A prime example of this would be in a slip and fall incident due to factors within your control or beyond your control.

Business Interruption Insurance

This insurance comes in handy when a business’s normal operations are interrupted and cash flow and profits becomes abnormal. This could be due to severe weather events, for example, if you harvest orange crops and Souther Florida is hit by an unexpected storm that destroys your crops, you may or may not be able to recover your losses.

Health Insurance

Health insurance is needed to cover yourself as well as your employees when in need of medical care.

Life and Disability insurance

Life and Disability insurance will be needed in the event of death or disability of key owners, partner and employees may occur. Read more about Key Man Insurance.

Worker’s Compensation Insurance

If you have employees, it is required by law to participate in the worker’s comp program. This insurance covers employees who are injured on the job.
These insurance plans can be combined but it would be cheaper to find a plan that offers the types of insurance coverage needed instead of purchasing them separately.