Pizza Today - May 2016 - 32

Safeguards:

* When using your employees'
vehicles, buy "non-owned auto liability
coverage." This protects you against the
negligence of any of your employees
while operating a motor vehicle on
your time, George says. Even if you do
not have delivery drivers, get this
insurance for other employees who
may get into a car crash while working
for you. For example, suppose a manager makes a bank deposit run while
working and T-bones another driver.
* Purchase company-owned vehicles
and have your own delivery fleet. Then
insure that fleet on a regular business
auto policy, George says.
* When hiring out subcontracted
delivery labor, make sure your attorney
reviews the subcontractor's certificate
of insurance, George says.
* Create a "safety-first culture,"
Downey says. Hire experienced drivers
with a good driving record and insurance. Conduct regular safety training
for all drivers. Regularly verify and
keep records that your drivers' cars
are well-maintained. Have a "no-cellphone-while-driving" policy. Educate
drivers to avoid distractions (i.e., pull
over if you need to read a map).
Pitfall No. 2: Employment
Practices
Risks: Pizza restaurants typically

experience high employee turnover.
"We do see in this industry practices of
discrimination with race, age, ethnicity
(and) gender," George says.
Parenti notes: "You could defend and
not be at fault and still pay out legal
fees. Claims are exceeding $100,000.
And employees can band together
under a class action suit. This can go on
for a couple of years, with little proof.'"
Safeguards:

* Ask your insurer for an "employee
practices liability" policy, which protects against discrimination, harassment and claims with little validity
until an investigation can be completed, Parenti says.
3 2 / P I Z Z AT O D AY. C O M / M AY 2 0 1 6

* Craft a strong human resources
plan that includes a thorough employee handbook, management training
covering inappropriate behavior and
a policy for writing up management
infractions, he says.
Pitfall No. 3: Customer
Data Breaches

"We don't want the restaurant owner
to start an antagonistic confrontation."
* If you're leasing the restaurant
space, know your responsibilities for
premises maintenance and the landlord's responsibilities, in case of slips
in parking lots or near your front door,
George says.
Pitfall No. 5: ADA Compliance

Risks: Someone may hack into your
POS or Merchant Services System,
stealing customers' credit card and
debit card data. Even if you offer credit
monitoring for them for a year afterwards, your reputation is shot.
"That's the newest hot spot," Parenti
says. "Cyber theft is moving faster than
anything else."
Safeguards:

* Invest in a cyber liability policy,
which covers your business for data
breaches in which criminals expose
your customers' personal information.
* Keep firewall and security software up to date and maintain a breach
response plan, Downey says. Develop a
crisis management plan so that you can
assure the public that you have resolved
the problem.

Risks: "Attorneys are driving around
to see if ramps have been put into
place to accommodate wheelchairs and
whether there are grab bars in restaurants. They bring a suit, and someone
has to respond," George says.
Safeguards:

* Make sure your facility is ADAcompliant. Otherwise, you're risking an
unexpected lawsuit (and the possible
loss of your business) because of the
cost of bringing the property up to
code while also defending the suit. n
HEIDI LYNN RUSSELL specializes

in
writing about the issues that affect
small business owners. She is a regular
contributor to Pizza Today and lives in
Lexington, Kentucky.

Pitfall No. 4: Slippage
Risks: Premises liability is when
someone is injured from slipping, tripping -- or even chipping a tooth. "That
is caused by not posting the 'wet floor'
signs and not dry mopping after wet
mopping," Downey says.
George notes: "There's always that
possibility that a foreign object gets
into a pizza or sandwich, too."
Safeguards:
* Invest in surveillance cameras
(some claims may be fraudulent, and
the cameras can prove it).
* Keep records of when you last
mopped floors and when the accident
happens. Document the circumstances
thoroughly.
* Show the customer empathy and
kindness. "Let us (your insurance company) be 'the bad guys,'" Downey says.

If You're Served ...
If you receive a letter for a lawsuit, turn
it over to your insurance broker within
30 days to avoid a default, Cheryl Downey
says. The insurance company will hire an
attorney for you on your behalf.
If you don't have an insurance policy,
hire an attorney specializing in that area of
litigation. "For example, for an employment
claim, don't hire someone working with
Workers' Comp. It has to be that specific
area of litigation," she explains.
Give all of the documentation in your
possession to the attorney to show your
safety, operations, and in cases of a car
crash lawsuit, your driver training efforts
and the motor vehicle record for driver.


http://www.PIZZATODAY.COM

Pizza Today - May 2016

Table of Contents for the Digital Edition of Pizza Today - May 2016

Pizza Today - May 2016
Commentary
Contents
Contributors
Expo Spotlight
Interact
Conversation
Man on the Street
Respecting the Craft
Trending Recipes
Destinations
Dough Doctor
Liability Issues?
The Grandma Pie
Lowering the Sodium
Trending at International Pizza Challenge
First Steps to Selling a Pizzeria
The Fast-Casual Pizza Players
Indies in Fast Casual
2016 Pizza Expo Wrap-up
Pizza Today on the Road: Slyce Pizza Bar, Tampa, FL
Product Showcase
Pizza Today Yellow Pages
The Marketplace
Reader’s Resource
Snapped
Pizza Today - May 2016 - CT1
Pizza Today - May 2016 - CT2
Pizza Today - May 2016 - Pizza Today - May 2016
Pizza Today - May 2016 - Cover2
Pizza Today - May 2016 - Commentary
Pizza Today - May 2016 - 4
Pizza Today - May 2016 - 5
Pizza Today - May 2016 - Contents
Pizza Today - May 2016 - 7
Pizza Today - May 2016 - 8
Pizza Today - May 2016 - 9
Pizza Today - May 2016 - Contributors
Pizza Today - May 2016 - 11
Pizza Today - May 2016 - Expo Spotlight
Pizza Today - May 2016 - 13
Pizza Today - May 2016 - Interact
Pizza Today - May 2016 - 15
Pizza Today - May 2016 - Conversation
Pizza Today - May 2016 - 17
Pizza Today - May 2016 - Man on the Street
Pizza Today - May 2016 - 19
Pizza Today - May 2016 - Respecting the Craft
Pizza Today - May 2016 - 21
Pizza Today - May 2016 - Trending Recipes
Pizza Today - May 2016 - 23
Pizza Today - May 2016 - Destinations
Pizza Today - May 2016 - 25
Pizza Today - May 2016 - Dough Doctor
Pizza Today - May 2016 - 27
Pizza Today - May 2016 - 28
Pizza Today - May 2016 - 29
Pizza Today - May 2016 - Liability Issues?
Pizza Today - May 2016 - 31
Pizza Today - May 2016 - 32
Pizza Today - May 2016 - 33
Pizza Today - May 2016 - The Grandma Pie
Pizza Today - May 2016 - 35
Pizza Today - May 2016 - 36
Pizza Today - May 2016 - 37
Pizza Today - May 2016 - Lowering the Sodium
Pizza Today - May 2016 - 39
Pizza Today - May 2016 - 40
Pizza Today - May 2016 - 41
Pizza Today - May 2016 - 42
Pizza Today - May 2016 - 43
Pizza Today - May 2016 - Trending at International Pizza Challenge
Pizza Today - May 2016 - 45
Pizza Today - May 2016 - 46
Pizza Today - May 2016 - 47
Pizza Today - May 2016 - First Steps to Selling a Pizzeria
Pizza Today - May 2016 - 49
Pizza Today - May 2016 - 50
Pizza Today - May 2016 - 51
Pizza Today - May 2016 - The Fast-Casual Pizza Players
Pizza Today - May 2016 - 53
Pizza Today - May 2016 - 54
Pizza Today - May 2016 - 55
Pizza Today - May 2016 - Indies in Fast Casual
Pizza Today - May 2016 - 57
Pizza Today - May 2016 - 2016 Pizza Expo Wrap-up
Pizza Today - May 2016 - 59
Pizza Today - May 2016 - 60
Pizza Today - May 2016 - 61
Pizza Today - May 2016 - Pizza Today on the Road: Slyce Pizza Bar, Tampa, FL
Pizza Today - May 2016 - 63
Pizza Today - May 2016 - 64
Pizza Today - May 2016 - 65
Pizza Today - May 2016 - 66
Pizza Today - May 2016 - Product Showcase
Pizza Today - May 2016 - 68
Pizza Today - May 2016 - 69
Pizza Today - May 2016 - Pizza Today Yellow Pages
Pizza Today - May 2016 - 71
Pizza Today - May 2016 - 72
Pizza Today - May 2016 - 73
Pizza Today - May 2016 - 74
Pizza Today - May 2016 - 75
Pizza Today - May 2016 - 76
Pizza Today - May 2016 - 77
Pizza Today - May 2016 - The Marketplace
Pizza Today - May 2016 - 79
Pizza Today - May 2016 - 80
Pizza Today - May 2016 - 81
Pizza Today - May 2016 - 82
Pizza Today - May 2016 - 83
Pizza Today - May 2016 - 84
Pizza Today - May 2016 - 85
Pizza Today - May 2016 - 86
Pizza Today - May 2016 - 87
Pizza Today - May 2016 - 88
Pizza Today - May 2016 - Reader’s Resource
Pizza Today - May 2016 - Snapped
Pizza Today - May 2016 - Cover3
Pizza Today - May 2016 - Cover4
https://www.nxtbook.com/emerald/pizzatoday/202112
https://www.nxtbook.com/emerald/pizzatoday/202111
https://www.nxtbook.com/emerald/pizzatoday/202110
https://www.nxtbook.com/emerald/pizzatoday/202109
https://www.nxtbook.com/emerald/pizzatoday/202108
https://www.nxtbook.com/emerald/pizzatoday/202107
https://www.nxtbook.com/emerald/pizzatoday/202106
https://www.nxtbook.com/emerald/pizzatoday/202105
https://www.nxtbook.com/emerald/pizzatoday/202104
https://www.nxtbook.com/nxtbooks/pizzatoday/202103
https://www.nxtbook.com/nxtbooks/pizzatoday/202102
https://www.nxtbook.com/nxtbooks/pizzatoday/202101
https://www.nxtbook.com/nxtbooks/pizzatoday/202012
https://www.nxtbook.com/nxtbooks/pizzatoday/202011
https://www.nxtbook.com/nxtbooks/pizzatoday/202010
https://www.nxtbook.com/nxtbooks/pizzatoday/202009
https://www.nxtbook.com/nxtbooks/pizzatoday/202008
https://www.nxtbook.com/nxtbooks/pizzatoday/202007
https://www.nxtbook.com/nxtbooks/pizzatoday/202006
https://www.nxtbook.com/nxtbooks/pizzatoday/expo_2020
https://www.nxtbook.com/nxtbooks/pizzatoday/202005
https://www.nxtbook.com/nxtbooks/pizzatoday/202004
https://www.nxtbook.com/nxtbooks/pizzatoday/202003
https://www.nxtbook.com/nxtbooks/pizzatoday/202002
https://www.nxtbook.com/nxtbooks/pizzatoday/202001
https://www.nxtbook.com/nxtbooks/pizzatoday/201912
https://www.nxtbook.com/nxtbooks/pizzatoday/201911
https://www.nxtbook.com/nxtbooks/pizzatoday/201910
https://www.nxtbook.com/nxtbooks/pizzatoday/201909
https://www.nxtbook.com/nxtbooks/pizzatoday/201908
https://www.nxtbook.com/nxtbooks/pizzatoday/201907
https://www.nxtbook.com/nxtbooks/pizzatoday/201906
https://www.nxtbook.com/nxtbooks/pizzatoday/201905
https://www.nxtbook.com/nxtbooks/pizzatoday/201904
https://www.nxtbook.com/nxtbooks/pizzatoday/201903
https://www.nxtbook.com/nxtbooks/pizzatoday/201902
https://www.nxtbook.com/nxtbooks/pizzatoday/201901
https://www.nxtbook.com/nxtbooks/pizzatoday/201812
https://www.nxtbook.com/nxtbooks/pizzatoday/201811
https://www.nxtbook.com/nxtbooks/pizzatoday/201810
https://www.nxtbook.com/nxtbooks/pizzatoday/201809
https://www.nxtbook.com/nxtbooks/pizzatoday/201808
https://www.nxtbook.com/nxtbooks/pizzatoday/201807
https://www.nxtbook.com/nxtbooks/pizzatoday/201806
https://www.nxtbook.com/nxtbooks/pizzatoday/201805
https://www.nxtbook.com/nxtbooks/pizzatoday/201804
https://www.nxtbook.com/nxtbooks/pizzatoday/201803
https://www.nxtbook.com/nxtbooks/pizzatoday/201802
https://www.nxtbook.com/nxtbooks/pizzatoday/201801
https://www.nxtbook.com/nxtbooks/pizzatoday/201712
https://www.nxtbook.com/nxtbooks/pizzatoday/201711
https://www.nxtbook.com/nxtbooks/pizzatoday/201710
https://www.nxtbook.com/nxtbooks/pizzatoday/201709
https://www.nxtbook.com/nxtbooks/pizzatoday/201708
https://www.nxtbook.com/nxtbooks/pizzatoday/201707
https://www.nxtbook.com/nxtbooks/pizzatoday/201706
https://www.nxtbook.com/nxtbooks/pizzatoday/201705
https://www.nxtbook.com/nxtbooks/pizzatoday/201704
https://www.nxtbook.com/nxtbooks/pizzatoday/201703
https://www.nxtbook.com/nxtbooks/pizzatoday/201702
https://www.nxtbook.com/nxtbooks/pizzatoday/201701
https://www.nxtbook.com/nxtbooks/pizzatoday/201612
https://www.nxtbook.com/nxtbooks/pizzatoday/201611
https://www.nxtbook.com/nxtbooks/pizzatoday/201610
https://www.nxtbook.com/nxtbooks/pizzatoday/201609
https://www.nxtbook.com/nxtbooks/pizzatoday/201608
https://www.nxtbook.com/nxtbooks/pizzatoday/201607
https://www.nxtbook.com/nxtbooks/pizzatoday/201606
https://www.nxtbook.com/nxtbooks/pizzatoday/201605
https://www.nxtbook.com/nxtbooks/pizzatoday/201604
https://www.nxtbook.com/nxtbooks/pizzatoday/201603
https://www.nxtbook.com/nxtbooks/pizzatoday/201602
https://www.nxtbook.com/nxtbooks/pizzatoday/201601
https://www.nxtbook.com/nxtbooks/pizzatoday/201512
https://www.nxtbook.com/nxtbooks/pizzatoday/201511
https://www.nxtbook.com/nxtbooks/pizzatoday/201510
https://www.nxtbook.com/nxtbooks/pizzatoday/201509
https://www.nxtbook.com/nxtbooks/pizzatoday/201508
https://www.nxtbook.com/nxtbooks/pizzatoday/201507
https://www.nxtbookmedia.com