CNA Loss Control Seminar

ROSSMANN-HURT-HOFFMAN, INC. IS PLEASED TO ANNOUNCE THE CNA LOSS CONTROL SEMINAR

“Building a Solid Foundation”: Managing Law Practice Risk

DATE: May 25, 2011 (WEDNESDAY)
TIME: 9:30 AM. – 1:00 PM.
PLACE: M&T BANK STADIUM – INNER HARBOR – BALTIMORE, MD
ROOM: NORTH CLUB LOUNGE (2ND FLOOR)

The program will be conducted by Alvin Frederick, Esquire (Eccleston & Wolf) and Glenn Grossman, Bar Counsel (Attorney Grievance Commission of Maryland) as well as their special guest, the Honorable Glenn T. Harrell, Jr., Judge of the Court of Appeals of Maryland. The general topic will be “How to Avoid Lawyers Malpractice Claims”. Judge Harrell will share his thoughts on the most significant decisions of our appellate courts during the prior year. While we WELCOME your participation every year, it is only necessary to attend our seminar once every three years to receive your premium credit.

A complete breakfast buffet will be served.

Space is limited and early registration is strongly recommended

For cost, registration form and more information, please contact Rossmann-Hurt-Hoffman, Inc. at (410) 465-4300

Restaurant Insurance | Maryland Insurance

One of the most important, and most unseen, aspects of operating a restaurant is having good insurance. Many times, insurance may be only an afterthought, but it is vital to the long term success of a restaurant.

Restaurant insurance will help to protect the owners from damages and losses associated with unforeseen events. Not only is it important to mitigate monetary damages, but it can also be required both by state law and by some financing agencies in order to operate and secure financing.

Like most insurance types, there are a variety of different options available. Property insurance is crucial to a business because it will cover the costs of rebuilding should a fire or other incident occur. Being secure that the building will survive most events can help to reassure investors. Unfortunately, most property insurance does not cover weather related damages which are covered mainly by a different policy option.

General liability is insurance against events that may happen to patrons inside of the restaurant. This includes cases such as food poisoning or slip and falls. Having general liability can save a business from a bad series of events that could end in an expensive settlement.

Workers compensation is another type of insurance that may be required. This insurance will cover the costs of medical and other bills should an employee of the restaurant be injured while on the job. Without this insurance, then those bills would have to be paid out of pocket.

There are a number of different options that can be included in a restaurant insurance policy. There are insurance policies for nearly every situation. There are even policies that can cover the failure of the business, liquor liability for the actions of intoxicated customers, and automobile liability if your restaurant uses delivery vehicles.

Whatever the need, there are restaurant insurance policies available to help protect the business. They can help to make sure that the business runs smoothly over the years and help to increase profits even when unexpected events occur.

Fire safety tips | Maryland Insurance

October is Fire Prevention Month. According to the Home Safety Council’s State of Home Safety in America™ Report, fires and burns are the third leading cause of unintentional home injury and related deaths. Fire safety and survival begin with everyone in your household being prepared. Follow the safety advice below to reduce the chance of fire in your home.

Smoke Detectors
•    Place smoke detectors near bedrooms and on every floor of the house.
•    Test the batteries often or as recommended by the manufacturer.
•    Don’t place smoke detectors near air vents.
•    The smoke detector’s battery should be replaced twice a year. Here is an easy way to remember: When you change your clocks, change your batteries.

Electrical Wiring
•    Replace worn cords.
•    Don’t run cords under rugs or carpets.
•    Don’t overload electrical outlets or power strips.
•    Avoid using extension cords when possible.
•    Replace any frayed or cracked extension cords.
•    Don’t tamper with your fuse box or use improper-size fuses.
•    If any electrical appliance smokes or has an unusual smell, unplug it immediately, and don’t use it until checked or repaired.

Electric Space Heaters
•    Don’t use an extension cord on space heaters.
•    Unplug heaters when you are not using them.
•    Keep heaters a safe distance (at least three feet) from furniture and curtains.
•    Do not dry your clothes, gloves or other items on a heater.

Fireplaces
•    Have your chimney cleaned regularly to prevent chimney fires.
•    If you have a fire in your fireplace, always close the screen or doors.
•    Always empty your fireplace ashes in a metal container, and set them away from the house or anything that will burn.

Cooking
•    Never leave cooking unattended.
•    For each pot or pan you use, have its lid out to cover it to extinguish sudden flare ups.
•    Keep the cooking areas clear of combustibles such as aerosol cans, oil, towels etc.
•    Turn pot and pan handles inward on the stove so they can’t be bumped.
•    Keep small children away from the cooking area while in use.

Home Fire Escape Plan – Create a family escape plan in case of fire.
•    Practice the escape plan every six months.
•    Assign someone to help those that need help getting out.
•    Create a meeting place for everyone once they get out.
•    Get out of the house or building and stay out.
•    Always know two ways out of every room.
•    Feel doors with the back of your hand for heat before opening.
•    Open doors slowly, and be ready to close them if heat or fire is outside them.
•    Close any doors you safely can as you are leaving the house or building.
•    Crawl low under the smoke.
•    Once outside, go to a phone, and call 911 to report the fire.

Calling 911 – Provide any helpful information to the fire department that you can such as:
•    Where the fire is located in the house or building
•    If anyone is still in the house or building and where they might be located
•    Any hazards that might be in the house or building

Just good common sense …
•    If your clothes catch on fire: STOP, DROP and ROLL until the fire goes out, and cover your face with your hands.
•    Children should NOT have access to or play with matches or lighters.
•    Children should stay away from others who play with fire and should immediately inform an adult.
•    Smokers should always use a proper ash tray and should stay alert while smoking.
•    Have working fire extinguishers, and know how to use them.
•    Do not waste time trying to save your pets, toys and other things.
•    Every second counts in a fire.

Remember, fire safety begins at home. Every family should know the basics of how to prevent fires and what to do in case there is a fire. Check out these useful Web sites for additional safety tips.

http://www.smokeybear.com

http://www.nfpa.org/sparky/index.html

http://www.usfa.dhs.gov/citizens/index.shtm

September is Disaster Preparedness Month

September is Disaster Preparedness Month and we want to make sure that you are prepared in the event of a disaster in your area. “Because September is National Preparedness Month, The Institute for Business & Home Safety (IBHS) is offering simple, inexpensive ways home and business owners can prepare their property to better withstand many different kinds of natural disasters.” Check out their website and use their cool Zip Code tool to find out what risks are common where you live and what you can do to help minimize the impact of these natural and man-made disasters!

http://www.disastersafety.org/

Maryland Earthquake Offers Reminder of Widespread Risk

Most Homeowners and Businessowners in Maryland and its surrounding states are NOT prepared for Earthquakes!

The 3.6 magnitude earthquake felt in the Washington, D.C., metropolitan area on July 16th had its epicenter in Gaithersburg, Maryland.  While no damage was reported, it is a reminder that in the United States about 5,000 quakes strike each year.  “Since 1900, earthquakes have occurred in 39 U.S. states and caused damage in all 50″, according to the Insurance Information Institute (I.I.I.).

Earthquakes are not covered under standard homeowners or business insurance policies.

Coverage is usually available for earthquake damage in the form of an endorsement to a business or homeowners insurance policy or as a stand-alone policy, depending on the state in which you live.  Standard homeowners and business insurance policies may, however, cover losses from a fire following an earthquake, which would include additional living expenses and business interruption coverage.

Stock knocked off the shelves at a grocery store after an earthquake.  Does your business insurance provide coverage for this?

Call Rossmann-Hurt-Hoffman, Inc. today at 1-866-847-0449 and make sure that your home or business is covered for earthquakes.  A seldom thought of, but very real risk!

Insuring Summer Toys | Insurance Maryland

Boats, trampolines and more – are you properly insured?

Summer is the time for fun. Book a tee time, put the boat in the water, head to the lake, the beach or the mountains. It is the time of year to play. Golfing, boating, fishing, water skiing, swimming, hiking, trail riding – you name it, we do it.

In order to play, we have to have the right toys. And, we have those toys – swimming pools, boats, golf carts, all-terrain vehicles (ATVs), motorcycles, motor homes, and trampolines for the kids. You name it, we’ve got it. And if we don’t own one, we’ll rent one.

But, are the toys we own and rent properly insured under personal insurance policies? In some cases the answer is yes, but, all too often the answer is no.

Pick up your phone and give us a call.  Find out whether your “summer fun” might turn into your “summer nightmare”.  We can help make sure it is “summer fun” for you!

CALLING ALL CONTRACTORS

Give us a call and find out why you’ll want to make Rossmann-Hurt-Hoffman, Inc. your resource center of choice for insuring all of your contracting exposures. With understanding, knowledge and integrity, our professional staff of agents specially trained in the unique needs of contractors, we will guide you to the best markets and most comprehensive products in the industry for your contracting business. From a small one man operation to large contractors with many employees and huge exposures, our expertise encompasses almost every type of contractor, including ROOFING, JANITORIAL, FLOORING, PLUMBING, LANDSCAPING AND CARPENTRY CONTRACTORS just to name a few!

Don’t just take our word for it…read what one of our customers has to say about his experience of doing business with our agency:

“Rossmann Hurt Hoffman, Inc not only was able to offer me a better insurance program, but they were able to offer it at a more competitive price.  Rossmann Hurt Hoffman has better service and expertise than any agent I have ever dealt with” – Mike Corona, Corona Marble & Tile

Restaurant Insurance: A Necessity for Any Restaurant

Restaurant insurance is important to have, because it can protect your business from liability issues and lawsuits due to broken equipment. There are many common everyday scenarios restaurants face that can become easily hazardous. This article will discuss some of the great reasons to consider getting insurance for your restaurant business today.

Think about how often chefs are using the fryers in a kitchen, or how often your restaurant is exposed to open flames. Wouldn’t it be a tragedy if a fire broke out in your restaurant? Think about how your business would be severely financially affected, in addition to the injuries workers or even your customers could sustain. Having to engage in legal battles could prove to be even more expensive.

With restaurant insurance, your business is protected from common everyday scenarios like the above that can harm your business.

There are a variety of more specific types of restaurant insurance you may want to invest in for your company. Food contamination insurance is especially helpful if your restaurant happens to lose power one day. If your restaurant loses power due to a storm or fallen power lines, then food contamination insurance will cover the entire contents of your freezer in which you keep your food. Perhaps you own a gourmet restaurant and keep thousands of dollars worth of food in a freezer. This type of restaurant insurance would then cover your valuable losses and would prove to be a valuable investment.

Loss of Business insurance is another kind of restaurant insurance that protects your restaurant. Perhaps you start losing sales or customers due to a recent incident at your restaurant. Depending on what the reason is you may be able to recoup some of the losses with Loss of Business insurance.

Some types of restaurant insurance include all of the specific types in an all-in-one sort of package. This can be a highly favorable choice, if you want to cover all of your bases as a restaurant. If you place a high premium on being prepared, then all inclusive restaurant insurance is the perfect choice for you.

Other times in which restaurant may protect you are for food spoilage, liquor liability reasons, worker’s compensation lawsuits, and a plethora of other scenarios.

Having restaurant insurance is the best way your restaurant can prepare for the worst. Be prepared and your preparation may be a smart investment in the future when you need insurance most.

RHH Insurance Sponsored 2010 Restaurant Association of Maryland Stars of the Industry Awards Gala

Rossmann-Hurt-Hoffman had the pleasure of attending and sponsoring of the 2010 Restaurant Association of Maryland Stars of The Industry Awards Gala this past Monday April 26th. For those of you who are unfamiliar with the event, “Each year the Restaurant Association of Maryland honors hospitality luminaries for their excellence demonstrated in and out of the kitchen as well as their service to the local communities.” The annual awards presentation took place at Martin’s West in Baltimore Maryland where the dining public and hospitality professionals throughout the state recognized the year’s “Stars of the Industry”. We and 700+ attendees enjoyed fine dining and a night of celebration for the Maryland restaurant industry.  This year’s winners include:

• Restaurateur of the Year – Dorothy and Richard Mollett, Antrim 1844 (Taneytown)
• Chef of the Year – Bryan Voltaggio, Volt (Frederick)
• Maryland’s Favorite Restaurant – Jack’s Bistro (Baltimore)
• Maryland’s Favorite New Restaurant – Blue Hill Tavern (Baltimore)
• Favorite Caterer – Chef’s Expressions (Timonium)
• Favorite Bar and Tavern – The Brewer’s Art (Baltimore)
• Pastry Chef of the Year – Maura Radmanesh, Clyde’s Tower Oaks Lodge (Rockville)
• Wine and Beverage Program of the Year – Charleston Restaurant Group (Baltimore)
• Allied Member of the Year – Saval Foodservice represented by Brian Bernstein
• Green Restaurant of the Year – Woodberry Kitchen (Baltimore)

Rossmann-Hurt-Hoffman would like to congratulate all of this year’s nominees and winners!

Wedding Insurance | Insurance Maryland

You’ve always dreamed of planning the perfect wedding, but no matter how carefully you plan it, there are many things that can go wrong – things that are beyond your control. Wedding insurance helps make things right when something goes wrong! For as little as $160, your wedding insurance policy can cover a variety of situations, such as: a lost or damaged wedding gown; lost deposit if the vendor goes out of business or simply fails to show up; lost or damaged wedding bands; severe weather; sudden illness; your venue requires insurance and/or liquor liability…the list goes on!  Go to the RHH Insurance website today and learn more about this valuable coverage.  You will see how simple and inexpensive it is for you to obtain wedding insurance, and some peace of mind as well!