Author: Jen Davey

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Pups on patios

8 tips to safely cater to canine companions

Take these safety precautions before opening your outdoor dining area to dogs.
As the weather turns warmer, many guests are seeking outdoor dining, and some may
wish to bring along canine companions. Before opening your patio to pooches, examine
what’s legally permissible and establish related safety policies.


Legal beagles
The question of whether dogs are legally permissible in an outdoor dining area comes
down to state and local laws and regulations. More than 20 states and numerous local
governments have laws or regulations permitting dogs.


A 2022 update to the FDA Food Code could open the door to additional governments
allowing dogs in outdoor areas. When it comes to food safety, many local and state
governments look to the FDA Food Code, which now, for the first time, provides
guidance allowing dogs in outdoor dining spaces, if approved by the local regulatory
authority. “Historically, the Food Code has not allowed any live animals, other than
service animals, on the premises of a food establishment,” notes Patrick Guzzle, vice
president of Food Science for the National Restaurant Association.


Doggie dos and don’ts
If your state or local government allows pups on patios, be sure to follow its restrictions
and requirements. Some best practices include:

  1. Check in with your local health regulatory agency. Some jurisdictions require
    official notification that a restaurant intends to allow dogs in its outdoor dining
    area; others require restaurants to apply for a permit.
  2. Offer outdoor access. Provide a patio entrance that won’t require dogs to
    traverse through the inside of the restaurant.
  3. Say “no” to dogs on chairs and tables. As the FDA Food Code notes,
    “Animals carry disease-causing organisms and can transmit pathogens to
    humans through direct and/or indirect contamination of food and food-contact
    surfaces.” To prevent contamination, dogs should not come into contact with
    chairs, tables, linens, tableware, or other foodservice items. Guzzle advises that
    “if a dog is allowed, for any reason, to be ON a table, now the entire table and all utensils, condiment dispensers, napkin dispensers, menu cards, table tents, etc., must be cleaned and sanitized before other guests are seated at the same table.”
  4. No petting the pooches. Staff should refrain from touching, petting, or handling
    dogs. If an employee does pet a pooch, they should wash their hands thoroughly
    to avoid cross contamination.
  5. Keep a tight leash on the situation. Require guests to keep their dogs leashed
    and under control so that the dining experience is safe and enjoyable for
    everyone.
  6. Say it with a sign. Post a sign specifying that dogs are allowed in your outdoor
    dining area. This is helpful information for both dog-lovers as well as anyone who
    might be allergic to or afraid of dogs. Some jurisdictions also require signage with
    your rules related to dogs, which, among other things, might reiterate that local
    dog laws must be followed, such as being up to date on vaccinations and
    wearing a collar and tags. Consider listing the rules on your website also.
  7. Be prepared for doggy accidents. Inform guests that it’s their responsibility to
    clean up after their pets; some restaurants even provide dog pickup bags. The
    FDA Food Code, in Annex 3, recommends providing a covered refuse container
    exclusively to store all pet waste generated. Even if guests help with the cleanup,
    you’ll want a procedure in place to sanitize as needed.
  8. Send them straight to the doghouse. If a canine and companion aren’t
    following your restaurant’s rules, you have the right to request that they leave.
    Develop a protocol for how to handle these situations. If a dog menaces,
    threatens, or bites any person or other dog, report the incident to the appropriate
    health authority.

by Jen Davey Jen Davey No Comments

Outdoor dining is here to stay!

Below are some tips for successful outdoor dining.

Get Proper Permits.

Before you get started, please check with your local municipality to see what permits and ordinances are in place. 

The safety of your guests and staff should be the #1 priority. 

Since outdoor spaces are typically uneven, the space should be inspected to make sure there are no cracks, potholes or rutting for customers or staff to fall or trip on.  Make sure there are no electrical cords for people to trip on and all furniture is level. Lights and equipment need to be built to withstand outdoor conditions, and proper covering and wiring around outlets is crucial.  Protect outdoor dining areas with physical barriers to prevent cars from intruding into the space. 

Good lighting is essential.

Space should be well lit to allow safe access for customers and wait staff.   Install sturdy outdoor lights that can withstand harsh weather and that are firmly secured. 

Plan for all types of weather.

Equip your patio with heaters, umbrellas, awnings, or tents to provide shade and rain protection.  Make sure all equipment is securely tied down and can withstand the elements without falling over.  Develop an evacuation plan and review with employees for preparation in case of dangerous weather conditions.

Invest in durable, weather resistant outdoor furniture and equipment.

Whatever you purchase, make sure it can withstand the elements, is easy to clean, and is easy to wipe dry after a rainstorm. Also, make sure all the furniture is level.  Be mindful of bugs and insects by investing in high quality mosquito treatments.

Design an effective layout.

Space should be ADA compliant. Doorways and walkways should be clear and safe for all servers to navigate with trays around tables and customers. Provide proper signage so that guests know how and where to check in along with exit and rest room signs.

Be a good neighbor.

If sound systems are permitted, keep the volume down.  Be mindful of adjoining businesses making sure neighboring businesses remain visible to pedestrians and motorists.

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Hospitality Insurance Group Names Warren Lewis as Vice President – Operations

Hospitality Insurance Group has announced that Warren Lewis has accepted the position of Vice President-Operations. With over 20 years of experience in the insurance industry, including several years operating his own insurance agency, Lewis’ responsibilities will include the management of information, IT infrastructure, products and pricing, and oversight of office administration. 

Lewis began his career with Premier Insurance of Massachusetts, focusing on home and auto products. Subsequently, at One Beacon, he was primarily responsible for business planning for the Massachusetts personal lines unit. At Narragansett Bay Insurance Company, Lewis worked as data management director.

“We are pleased to welcome Warren to our expanding management team,” said Richard Welch, Jr., President & CEO of Hospitality Insurance Group. “He brings with him a unique perspective as both a past agency owner, as well as an experienced insurance company executive. This unique skillset will prove useful as we work to maintain and enhance our product offerings to business owners in the hospitality industry.”

Lewis holds a bachelor’s degree from the University of Maine, and a master’s degree from the University of Rhode Island. He also served as a Peace Corps volunteer in Nepal and worked as a commercial fisherman in the Bering Sea, Alaska. Lewis resides in Westwood, Massachusetts, with his wife and two children.

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Melissa Frecker Joins Hospitality Insurance Group as Senior Commercial Underwriter

Hospitality Insurance Group is growing its underwriting department with the addition of Melissa Frecker as Senior Commercial Underwriter. Frecker has over 10 years of experience in the insurance industry, specifically managing commercial lines. In this position, she will be responsible for commercial lines underwriting activities, agency relationship management, and product pricing.

Beginning at Quaker Special Risk, Frecker then joined Cantiani Insurance as commercial lines operation manager. She recently worked at Concord Group Insurance as a commercial lines underwriter and is a former member of the Massachusetts Association for Women in Insurance and BNI Southborough. 

“Melissa will be a valuable asset to our underwriting team,” said Sandra Haley, CPCU, CIC, CRM SVP Underwriting/Marketing of Hospitality Insurance Group. “Having worked in multiple facets of the insurance industry she is experienced in helping policyholders build the right coverage for their unique business needs.”

Frecker received her Associate in Insurance (AINS) designation and is working towards her Associate in Commercial Underwriting (AU) and Chartered Property Casualty Underwriter (CPCU) designations. She enjoys visiting family and friends in Maine, traveling, and volunteering for her son’s boy scout troop and baseball team.

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Ventilation Systems

A properly designed, installed and functional ventilation system is critical for building fire safety. It is required to remove smoke odors and grease laden vapors from the cooking area to the exterior of the building. For this reason, it is imperative that the system is operating during all cooking periods and should operate for a minimum of 15 minutes after cooking has stopped.

Below are recommendations for optimal ventilation system performance.

  • Ventilation systems should be constructed of stainless steel rather than galvanized or aluminum, which are cheaper but do not provide sufficient protection in a fire event.

  • All seams should be externally welded to prevent grease from escaping and the hood should cover all cooking appliances.

Insufficient clearance between the hood and ductwork to surrounding combustible building

members, creates a severe fire hazard. Over time, high heat levels can lower the ignition

temperature of wood to combustible walls, ceilings, roofing members, etc. This can be

mitigated by increasing the air space between the metal duct/hood and the frame building

members, utilizing mineral wool insulation or installing stainless steel on spacers or

insulation. NFPA 96 should be consulted for guidance.

Fans should be mounted on the exterior of the building and cleaned on a regular basis.

Their exact location is governed by the building construction and NFPA requirements, which

include fan clearance to doors, windows, roof slope clearance, etc.

Place baffles in the hood area to minimize the amount of grease that is drawn into the

duct system. They should be of stainless-steel construction, installed at a 45° angle and

must be tight fitting. Baffles and grease trays should be cleaned daily. Older systems utilize

galvanized baffles or mesh type grease filters. Grease filters should be replaced with up to

code stainless steel baffles as they absorb grease, creating a fire hazard.

There are an estimated 5,600 restaurant fires reported annually, resulting in over $116M in property damage. *

Common Causes of Fires in Restaurants**

  • Cooking Equipment is responsible for 57% of restaurant fires.
  • Heating Equipment is responsible for 10% of restaurant fires.
  • Electrical distribution and lighting equipment is responsible for 7% of restaurant fires
  • Smoking is responsible for 7%
  • Arson is responsible for 5%
  • Failure to keep a clean kitchen was a factor in approximately 22% of fires

* National Fire Incident Reporting System (NFIRS)

** National Fire Protection Association (NFPA)

Includes content provided by Mutual Boiler Re
Hospitality Insurance Group
106 Southville Road, Southborough, MA 01772

www.hmic.com
877-366-1140

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Cleaning and Maintenance

A scheduled cleaning program prevents excessive buildup of grease in the hood, duct work
and fan. Grease accumulations lead to an increased fire risk. Semi-annual cleaning of the
ventilation system is often recommended; however, this is not an effective cleaning schedule
as the amount of potential grease accumulations varies drastically based on the type and
intensity of cooking. The NFPA 96 requires cleaning intervals based on the type and frequency
of cooking.

Type of Cooking VolumeInspection Frequency
Solid fuel cooking operations (wood burners)Monthly
High-volume cooking operations (24-hour cooking, charbroiling, or wok cooking)Quarterly
Systems serving moderate-volume cooking operationsSemi-annually
Systems serving low-volume cooking operations (churches, day camps, seasonal businesses, or senior centers)
Annually

Ventilation systems should be cleaned by a professional service that specializes in commercial
cooking ventilation systems as they can be difficult to clean due to the large number of
concealed spaces. Contractors must be able to gain access to the interior of the duct work to
properly clean the system. NFPA 96 chapter 7 outlines the requirements for access panels.
Access panels are designed to allow interior cleaning without damaging the integrity of the
metal duct work. Briefly stated, some of the basic requirements are as follows:

  • Multi-story vertical ducts require one access panel per floor
  • Horizontal ducts shall have at least one 20” opening for personnel access
  • Openings of sufficient size to permit thorough cleaning every 12ft
  • For hoods with dampers, an access panel for cleaning and inspection shall be provided in the duct or hood within 18” of damper

It is also a good practice for the baffles and grease pans to be cleaned daily.

There are an estimated 5,600 restaurant fires reported annually, resulting in over $116M in property damage. *

Most Common Causes of Fires in Restaurants**

  • Cooking Equipment is responsible for 57% of restaurant fires.
  • Heating Equipment is responsible for 10% of restaurant fires.
  • Electrical distribution and lighting equipment is responsible for 7% of restaurant fires
  • Smoking is responsible for 7%
  • Arson is responsible for 5%
  • Failure to keep a clean kitchen was a factor in approximately 22% of fires

*National Fire Incident Reporting System (NFIRS)
** National Fire Protection Association (NFPA)

Includes content provided by Mutual Boiler Re
Hospitality Insurance Group
106 Southville Road, Southborough, MA 01772

www.hmic.com
877-366-1140

by Jen Davey Jen Davey No Comments

Most Common Restaurant Fire Loss Sources and How To Prevent Them

There are an estimated 5,600 restaurant fires reported annually, resulting in over $116M in property damage. *

Most Common Causes of Fires in Restaurants**

  • Cooking Equipment is responsible for 57% of restaurant fires.
  • Heating Equipment is responsible for 10% of restaurant fires.
  • Electrical distribution and lighting equipment is responsible for 7% of restaurant fires
  • Smoking is responsible for 7%
  • Arson is responsible for 5%
  • Failure to keep a clean kitchen was a factor in approximately 22% of fires

Commercial Cooking Hazards

Grease Laden Vapors – all cooking is capable of producing grease laden vapors, especially when
utilizing lipids (oil, butter, lard, grease). Grease laden vapors are produced when heat and
steam rise from a cooking surface that contains grease. The passage of grease laden vapors
through the ventilation system results in deposits on the interior surfaces. A severe fire hazard
exists if the accumulated grease within the ventilation system is not removed. The most
prevalent sources of grease laden vapor productions are deep fat fryers, followed by woks,
broilers, grills, and stove top frying. The hazard associated with grease laden vapors is
exacerbated by the close proximity of ignition sources, such as open flames or hot appliances,
and a large supply of surrounding combustibles.

Greasy Towels and Rags

Folded towels are commonly used in restaurants for handling hot pots, pan handles,
trays, etc. This simple practice creates a fire hazard as towels collect grease from the
surrounding cooking environment. Grease laden towels present a significant fire hazard.
They can retain a grease residue even after they have been washed. Once they are removed
from a hot dryer the combination of residual grease and heat could lead to spontaneous
combustion. Dirty towels should be stored in metal cans with a tight-fitting lid until
they can be removed from the building daily or cleaned. The solution is to either use a
professional cleaning service or allow the towels to cool before folding and stacking.

Loss Mitigation

A restaurant’s potential for loss can be dramatically reduced with the combination of a
ventilation system, fire suppression system and a scheduled cleaning program. According to
the NFPA, approximately 30% of suppression systems failed to operate during a fire event
with lack of proper maintenance contributing to 44% of these failures. Commercial cooking
installations are governed by these model codes: NFPA 96, NFPA 17A and UP-300. The
minimum requirements for a safe installation include:

  • Proper 16” clearance between deep fat fryers and sources of ignition
  • Scheduled professional cleaning and servicing of the systems
  • Stainless steel hood and ductwork with externally welded, leak proof seams
  • Tight fitting grease baffles
  • Type K portable fire extinguisher
  • UL-300 compliant, wet type automatic suppression system

*National Fire Incident Reporting System (NFIRS)
** National Fire Protection Association (NFPA)

Includes content provided by Mutual Boiler Re
Hospitality Insurance Group
106 Southville Road, Southborough, MA 01772

www.hmic.com
877-366-1140

by Jen Davey Jen Davey No Comments

Automatic Suppression Systems

Automatic suppression systems are vital for protection against fire in commercial cooking.

The system has fusible links installed in the hood plenum area and, when a fire occurs, the

link separates and activates the suppression system. A suppression agent is released from

a series of nozzles, smothering the fire and creating a foam blanket to prevent re-ignition. In

addition, activation of the system shuts off the fuel supply. The suppression system needs

to be UL-300 Compliant, meaning it is specifically designed for modern commercial cooking

appliances that use vegetable oil instead of animal fat. Modern commercial high efficiency

appliances retain heat for longer periods of time and are therefore more difficult to suppress

during a fire. Modern suppression systems are complex and require semi-annual servicing to

ensure proper functioning in the event of fire.

Older suppression systems use dry powder as a suppression agent, which will not create

a foam barrier with vegetable oil appliances and could lead to re-ignition. For this reason,

older dry powder systems need to be replaced with a UL-300 compliant wet type system.

There are an estimated 5,600 restaurant fires reported annually, resulting in over $116M in property damage. *

Most Common Causes of Fires in Restaurants**

  • Cooking Equipment is responsible for 57% of restaurant fires.
  • Heating Equipment is responsible for 10% of restaurant fires.
  • Electrical distribution and lighting equipment is responsible for 7% of restaurant fires
  • Smoking is responsible for 7%
  • Arson is responsible for 5%
  • Failure to keep a clean kitchen was a factor in approximately 22% of fires

*National Fire Incident Reporting System (NFIRS)
** National Fire Protection Association (NFPA)

Includes content provided by Mutual Boiler Re
Hospitality Insurance Group
106 Southville Road, Southborough, MA 01772

www.hmic.com
877-366-1140

by Jen Davey Jen Davey No Comments

Hospitality Insurance Group Commemorates First BOP

Celebrating the first BOP written by Hospitality Insurance Group are Richard Welch (President & CEO, Hospitality Insurance Group); Mark Colantonio (Sales Executive, John M. Glover Insurance); and Sandra Haley (Senior VP of Underwriting & Marketing, Hospitality Insurance Group).

 In response to industry demand, Hospitality Insurance Group developed its Businessowners Policy (BOP) for commercial policyholders. Existing liquor liability policyholders, as well as a variety of other main street businesses, can now take advantage of this insurance product available in Connecticut, Massachusetts, New Hampshire, North Carolina, Pennsylvania, and Rhode Island.
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