Protecting Patrons from Identity Theft

Keep customers’ personal information safe

Identity theft is the fastest growing crime in America today, according to the U.S. Federal Trade Commission. Stay alert for potential fraud risks at all times when handling customer information.

Identity theft is very common at restaurants, and thieves are finding more ways than ever to obtain personal information. Any time a patron makes a purchase, they are trusting  you with sensitive information, and it is the restaurant’s responsibility to protect that information.

It is important that you do your part when handling sensitive client information, such as credit card receipt information. This includes taking internal security measures to ensure customer information is shared only with necessary parties.

Register

If you work at a register, it is important to follow these guidelines so that sensitive information is kept secure:

•        Never leave receipts where anyone can find them.

•        When you step away from your register, always “lock” the screen.

Credit Cards

When accepting credit or debit cards as a form of payment, be sure to verify the identity of the customer, either through their signature or asking for further identification.

Customer Contact

Only gather personal customer information through company-approved channels. Follow company policies to verify the identity of the customer when giving out or changing any personal information. Use discretion when offering or receiving personal information over the phone – this is a common way for thieves to commit identity fraud.

When processing a customer transaction in front of other clients, make sure that you are protecting the customer’s information. Do not read off any personal data and keep your screen turned so that no one else can view it.

Paperwork

Be sure to keep all receipts, invoices and other records secure – do not leave such paperwork lying around. When disposing of materials containing personal information, use the paper shredder or secure recycling container.

Above all, be aware of the potential for identity theft when handling personal data. If you are suspicious of a transaction or conversation you are having with a patron, follow your instinct and pursue further verification before proceeding.

Talk to your shift manager if you have a question about procedure or need assistance with a particular transaction. If we all do our part, we can keep our customer’s personal information safe.

First week of National Food Safety Month focuses on personal hygiene

Posted by Annika Stensson on September 4, 2012 11:35 AM

The National Restaurant Association (NRA) provides free, weekly training materials for restaurant employees as part of its National Food Safety Month (NFSM) campaign this September. The training sessions, designed to be completed in 10 minutes, focus on key issues tied to this year's "Be Safe, Don't Cross-Contaminate" theme.

Week one focuses on personal hygiene, including correct hand care, cleanliness and work attire. A free poster and activity sheet are available in the "Activities" section of FoodSafetyMonth.com.

All NFSM training materials are available in English and Spanish.

NFSM highlights components of the NRA’sServSafe® Food Safety program – the leading source of food safety training and certification for restaurant and foodservice industry professionals for nearly 40 years, with more than 5 million certifications issued. Because ServSafe is developed by the NRA, proceeds go toward helping improve the foodservice industry through research and education.

To read more please click the link below.

First week of National Food Safety Month focuses on personal hygiene

Work Comp Claims Reporting Made Easy

Taking the proper steps in your organization to ensure prompt reporting of all workers compensation claims is essential to helping control your claim costs. As an employer, there are several things you can do to ensure documentation and reporting of a claim goes smoothly.

Reporting requirements
The Division of Workers' Compensation requires that "an employer or its insurer report the injury, other than an injury that requires immediate first aid and no further medical treatment or lost time from work, to them within 30 days after knowledge of the injury. Employers have to report all injuries to their insurance carrier within five days of the date of injury or within five days of the date on which the injury was reported to the employer by the employee, whichever is later."

Missouri Employers Mutual encourages our policyholders to report all injuries, even if it only required immediate first aid. Reporting minor injuries allows for two benefits. First, when a claim is reported to us, we report it to the Division of Workers’ Compensation which establishes the beginning of the statute of limitations on the claim. Second, if the minor injury ends up requiring further medical treatment or lost time becomes a factor, the claim is already in the system and can be assigned quickly to a claims representative for handling.

Train management and staff on claim documentationThe proper documentation makes all the difference in successfully reporting a claim. Train your supervisors and managers about what documentation is needed when an employee reports a work-related injury. Start the process with basic but crucial questions including, were there any witnesses? If so, have the witnesses document exactly what they saw or heard and have them sign their statement. It is also very important to have the injured employee recount, in their own words, exactly what occurred and have them sign the document.

Documentation makes it easy to gather incident information including the date and time the injury occurred, where and how it occurred, the severity of the injury, and body part(s) injured.

Review personnel files annuallyAlong with the incident details, you will also be required to report some personal information on the injured employee. The information is required, so it is very important to keep all of your personnel files up to date. When reviewing personnel files you should ask yourself, do you have the employee's legal name, date of birth, social security number and home address? If you do not require employees to update their information when they move, marry, etc., you may not have up-to-date records. The employee’s hire date is also important for reporting and should prompt you to verify if they have had a recent promotion that resulted in a job title or salary change. If your company does not have a formal process for keeping personnel records up-to-date, we suggest that you implement one.

Although a lot of information is needed for reporting a claim, the process doesn’t have to be complicated.  Put an injury reporting procedure in place that includes documentation of all work-related injuries (both major and minor), training supervisors and managers on the documentation and reporting requirements, and keeping your personnel files updated. 

Give one of our Agents a call 800-392-0423 or click here to email us. for more information.

Economist’s Notebook: Restaurant industry adds most locations since 2007

Economist’s Notebook: Restaurant industry adds most locations since 2007

Posted by Annika Stensson on July 18, 2012 10:00 AM

In his latest commentary, the National Restaurant Association's Chief Economist Bruce Grindy looks at the latest establishment data from the Bureau of Labor Statistics.  In a sign of continued resilience in the midst of a challenging economy, the restaurant industry added locations last year at its strongest rate since 2007, and continued to outperform the nation’s overall private sector. 

Despite the challenging economic environment, the restaurant industry added locations last year at its strongest pace since 2007.  According to recently-released data from theBureau of Labor Statistics, the restaurant industry added a net 10,198 establishments* in 2011, which was more than the combined net increase in 2009 and 2010 (10,010 establishments).  In addition, the 2011 performance was the strongest gain since 2007, when the industry added a net 13,169 locations. 

In percentage terms, the restaurant industry added locations at a 1.8 percent rate in 2011, nearly double the 1.0 percent net increase in establishments for the nation’s overall private sector.

On the state level, trends were mostly positive in 2011. Forty-four states (including the District of Columbia) added eating and drinking place locations in 2011, while 7 states experienced a decline in locations. In 2010, 41 states (including DC) added eating and drinking place locations, while 10 states saw a decline.

Texas led the nation by adding a net 1,478 eating and drinking place establishments in 2011, followed closely by New York with a net increase of 1,412 locations. Florida added 1,225 industry establishments in 2011, while Illinois posted an increase of 855 locations.

In percentage terms, Arizona set the pace with a strong 5.3 increase in eating and drinking place establishments in 2011. The District of Columbia (4.8%), Indiana (4.2%) and Texas (3.9%) were also among the leaders in establishment growth in 2011.

In contrast, Michigan lost a net 335 eating and drinking place locations in 2011, a 2.1 percent drop from its 2010 level. California lost a net 226 eating and drinking place establishments in 2011, while Louisiana’s eating and drinking place sector declined by a net 79 locations.

Eating and Drinking Place Establishments by State

Check out the res of the article at the link below.

Economist’s Notebook: Restaurant industry adds most locations since 2007

Teens and Summer Employment: Manage the Risks

Teens and Summer Employment: Manage the Risks

As the school year comes to a close, many employers will hire teenagers for summer jobs. Although the number of employed teenagers dropped drastically since 2008, those numbers are slowly rising again. In 2011, the number of youths (16 to 24 years old) employed in the United States was 18.6 million—an increase of 1.7 million from 2010 (U.S. Bureau of Labor Statistics). Hiring teens can prove to be very beneficial for employers, teens and the community. With the trend on the rise, it is a great time to revisit the best ways to manage your risk.  

Higher injury ratesInjury rates are higher among teenagers. Statistics for 2011 shows that the non-fatal injury rate for employees 15 to 17 years old was double the injury rate for employees 25 and older. The higher injury rate can be attributed to a lack of experience and an under-appreciation for workplace hazards. The lack of work experience disqualifies most teenagers from more technical jobs, so they accept positions that are more hazardous by nature or involve manual labor which is inherently more risky. According to the National Consumer League, the five most dangerous jobs for teenagers last summer were:

• Agriculture—harvesting crops and using machinery
• Construction and height work
• Driver/Operator—forklifts, tractors, ATVs
• Outside labor—landscaping, grounds keeping and lawn service
• Sales crews—traveling

Managing the riskOSHA (the Occupational Safety and Health Administration) suggests following these simple steps to prevent injuries to working teens:

• Give clear instructions and safety precautions to take.
• Ask for your instructions to be repeated and give an opportunity for questions.
• Demonstrate how to perform tasks.
• Observe tasks being performed and correct any mistakes.
• Demonstrate how to use safety equipment.
• Prepare teens for emergencies.
• Ask if there are any additional questions.

Taking these simple steps can drastically reduce risk of injury while encouraging safe working habits for all employees.

• 06/04/2012
• Written by Brad Williamson
  Claims, MEM
• Claims Management, Global

Updated I-9 form in the works

Posted by NRA Staff on May 30, 2012 3:38 PM

The National Restaurant Association this week weighed in on a proposed update of the I-9 form, the form that all employers and employees must fill out to certify an employee's identity and eligibility to work in the United States.

The Department of Homeland Security has proposed changes aimed at making the I-9 clearer and more user-friendly for employers and employees. The NRA commended the goal but noted that some of the DHS's suggested changes could add confusion -- and, if left unchanged, could put employers in jeopardy of immigration-related paperwork fines for inadvertent violations.

"The new I-9 form is in some ways more user-friendly, but there are portions of the form that raise concerns for employers in our industry," the NRA said in comments submitted to the DHS May 29. "Employers want to comply with the law; however, [Immigration and Customs Enforcement] should provide guidance on how violations will be determined if one of these mistakes takes place in good faith."

Read more about the proposed revisions, and get the NRA's perspective on the proposed changes to the I-9.

The Cost of Hand and Wrist Injuries

May 22, 2012 11:08 AM, By Laura Walter via EHS Today

More than 2 million people visited U.S. emergency rooms for symptoms related to the hand and wrist in 2009. Now, researchers in the Netherlands have found that in addition to being pervasive, hand and wrist injuries also are one of the most costly injury types.

According to a new study appearing in the Journal of Bone and Joint Surgery, hand and wrist injuries represent the most expensive type of injury in the Netherlands, costing about $740 million U.S. dollars annually.

The study, "Economic Impact of Hand and Wrist Injuries: Health-Care Costs and Productivity Costs in a Population Study," examined the frequency, cost of treatment and lost productivity associated with hand and wrist injuries and compared them to other emergency department injuries.

Click here to read more