Restaurants Can be a Warzone for Injuries

Think large kitchen knives, onions, and a cutting board. What comes to mind?

If you’ve worked in an Abilene, TX restaurant, you or someone you know has probably cut themselves at some time slicing vegetables or food of some type. Aside from construction, restaurants remain one of the environments with the highest rate of worker injuries annually and even monthly. 

There is so much involved in cooking and food preparation that can cause a serious injury, combined with the fact that many restaurant workers are younger and less experienced, that it’s of little surprise statistically that food venues skyrocket with injuries every year. Safety and training can make a huge difference as well as preventative tools such as cutting guards, splash protectors from hot oil and water, protective clothing, and more. However, eventually just about everyone in a kitchen gets hurt by something.

Most injuries tend to be small and heal quickly, but a serious injury can be debilitating. A large pot of hot water can cause scalding injuries that can last for weeks. The loss of fingertips with a knife don’t heal quickly. They require special treatment for weeks to avoid infection. Burn injuries leave permanent scars and are common with ovens and hot frying grease. And then, there is the wet floor slip and fall which can break bones.

The bottom line is that today’s restaurant needs a workers compensation policy in place with protections because employee injuries will happen. Koda Insurance Group can help. We work with dozens of restaurants in the Abilene, TX area and can size up a good policy that matches your business model correctly. Email or call Koda Insurance Group and our staff today and protect both your business and your workers the right way.

What Happens to My Homeowners Insurance Policy When I Move

Moving can be a long and stressful process for most homeowners who are changing location. First, you need to conduct market research in Abilene, TX and identify a home that will suit your needs before you sell your old home. From there, you are expected to pack all your belongings and move to your new home.

However, you still need to keep track of several details during your entire moving process. For instance, you need to know whether your homeowners’ insurance policy from Koda Insurance Group covers moving damage or you will need to get moving insurance. One of the most critical things that you will need to know is how your relocation affects your current homeowners’ insurance.

Moving and Homeowners Insurance

You may be surprised to learn that nothing actually happens to your homeowners’ insurance policy when you move. However, the most critical thing to do before you move is to contact your agent in Abilene, TX and let him/her know that you are relocating and ask how that will affect your policy. At this point, your agent can facilitate the cancellation of your old policy and help you transition smoothly to your new policy. Contacting your agent on time also ensures that there are no gaps in your coverage.

One more thing that you need to be aware of is your home insurance policy term and how far in advance you have already paid. If you pay your premiums in advance, then you can get some form of a refund when your policy is canceled. If you are planning to transfer your current policy, then the amount can also be transferred over.

The most crucial thing that you need to remember is that you can’t keep your current home insurance policy when you move. This is because your old and new home are two different properties that represent two different risks that can’t be covered in the same way.

Call Koda Insurance Group today and request a free quotation for your home insurance policy.