Archive for the ‘allegheny county’ Tag

Polesky Agency Instagram Contest details & rules   1 comment

As you may have heard, we are hosting a contest via Instagram and Facebook meant to help promote local businesses and their social media marketing efforts.  The details of the contest seem a bit complex, but in reality, it all works very easily.

Put simply, we are going to reward you for something many people are already doing – posting pictures of their favorite establishments on Instagram & Facebook!  All you have to do is go to your favorite local business, take a picture that you feel best or most creatively represents and promotes that business using Instagram (or a digital camera or phone if you don’t use Instagram), post it online, and tag the business and our agency.  Our agency’s Facebook page can be found at www.facebook.com/PoleskyAgency

Our independent judges will select three finalists and ultimately one winner.  What do you get?  How about a $200 gift card to the business in the winning picture!  The other two finalists will each receive a $25 gift card to the businesses they photographed.  Additional details are below.

We hope you enjoy our contest, and we hope that you will discover new places to check out here in Pittsburgh!  Good luck!

  • Take a digital picture best, most creatively, or interestingly represents your favorite Pittsburgh business.  You may photograph up to three businesses, but only post one picture of each – so make the picture you post good!
  • When posting on Instagram and Facebook, be sure to include in your caption #ThePoleskyAgency, as well as #’ing the business in question.  Note – you must like our Facebook page in order to participate.
  • You do NOT need to have an Instagram account to participate.  If you don’t have or use Instagram, simply post a picture on the Agency Facebook Page from your camera phone or digital camera.
  • You MUST post a copy of the picture on our Facebook (agency) page.  If the picture is NOT on our agency page, it will NOT be judged.   When posting on the agency page, make SURE that you tag the business represented in the photograph, whether it’s obvious what business it is or not.  Part of the idea is to promote THEIR social media efforts!
  • The contest will not be judged until at least 30 separate individuals have participated.  In other words, ten participants each posting three businesses does NOT trigger judging of the photos.  Our goal is have the contest judged on the first day of August.  Note, if we have more than 30 participants within the month of July, the contest will continue until July 31st.
  • A business can be represented by more than one participant.  However, if multiple participants choose the same business, and only one is chosen as a finalist or winner, the others who photographed the same business (but were not selected) will NOT receive a gift card.
  • The business must be within a 30 mile radius of downtown Pittsburgh (essentially, Butler to Washington and Greensburg to the Ohio border).
  • A group of impartial judges chosen by the agency will select the finalists and winner.  We are currently seeking five judges – two to select the finalists, and three to select the winner.  The number and arrangement of judges can change based on needs and availability.
  • Neither participants NOR businesses need to be a client of the Polesky Agency to participate and win.  The contest is available to anyone.
  • The Polesky Agency will purchase and pay for ALL gift cards.  Businesses are NOT required to contribute financially.
  • Businesses ARE encouraged to promote the contest and their business to their customers.  Businesses have free rein to promote the contest to their customers in any way they see fit, so long as it accurately and attractively represents the contest and our agency.
  • No purchase is necessary.  You don’t have to buy anything at the business you photograph, but then, why would you want to help promote them in the first place?!
  • The Polesky Agency reserves the right to update and change the rules of the contest at any time.
  • The Polesky Agency reserves final say in determining resolution of any and all disputes and discrepancies.

Restaurants & Caterers – some great things to know   Leave a comment

The article that I’m pasting below is something that I wrote for the New North Business Matters insurance issue (yours truly is on page 18).  I’m going to post it here, as I haven’t really put anything up in quite a while during the research phase for the Marcellus Shale post(s).  I’ve read quite a bit about Marcellus Shale and the implications for homeowners and businesses, and it’s actually quite troubling.  I’m hoping to have something very soon (a week or less)!

Without further ado, an article I wrote providing tips and information for food service owners looking to improve their insurance:

“I’m paying for a product that I hope I’ll never use.”  It’s a common complaint of any business owner purchasing insurance, and it makes sense.  No one wants to go through the stress of a claim, even if it’s handled efficiently by the insurance company.  If you insure your restaurant properly, however, you can dramatically reduce the amount of anxiety and tension you face – both when putting the policy in force and if you have a claim.

How do you insure your restaurant properly?  There are several things you can do to soften the blow by obtaining cost effective and thorough insurance coverage.  Additionally, there are some specific coverages you can put in place to protect against the unique exposures that food service operators face.  While most of my suggestions apply to restaurants, you can modify them to fit any style of food service operation.

There are several things you can prepare to obtain the best rates If you have deep fat frying, make sure that you have a UL300 approved Ansul wet system, and that it’s under contract for service on at least a quarterly basis.  Your hoods and ducts should also be under contract for quarterly cleaning and servicing – and the filters (baffles) should be run through dish on at least a weekly basis.  The cleaner that your filtration and safety systems are, the more likely it is an underwriter will be to give you great rates.  Make sure that your service tags for all systems are prominently displayed!  And, of course, the overall cleanliness and attractiveness of your restaurant, the more desirable it will be to the insurance company.

Other things that can help reduce your rates:

  • Have an employee handbook with enforced guidelines on safety and food handling protocol.
  • Make sure that any employee that will handle alcohol on a regular basis is either TIPS or RAMP certified.
  • Hold regular safety meetings, and if you can, have a certified safety committee.
  • Make sure that ALL areas of your location(s), inside and out, are very clean and well-maintained.

Have some basic information handy when getting quotes – square footage and seating capacity of each location, gross sales (including a break down between food & liquor), and your updated annual payroll (this MUST include tips!).  The more information you have available, the faster the quoting process will be.  Anticipate filling out an application for liquor liability coverage.

The coverages below are indispensable for food service operations, yet many policies don’t address them appropriately.  Companies like Travelers, Zurich, Nationwide, Ohio Casualty, Erie, and Penn National offer excellent policies for food service operations, but PLEASE take the time to discuss the following coverages with your agent when quoting – regardless of what company offers you quotes.

Spoilage and contamination coverages: Make certain that they’re addressed by your policy – and make sure that the limits provided are adequate!  I insure an upscale restaurant who had adequate coverage for the food they maintained on premises – but not nearly enough to protect their extensive wine and liquor stock!  Make sure to review your limit AND your inventory when purchasing these coverages!

Utility Services coverage, direct damage and time element:  This is essentially an offshoot of spoilage coverage that protects against either your product spoiling, or you losing income, due to a water or power failure.  Make sure that it INCLUDES off-premises occurrences.  You MUST include off-premises occurrences, and make sure that overhead lines coverage is provided!  This means that if the power failure occurs due to something that happens off your premises, your spoiled product and lost income will be covered (distance/radius limitations will often apply).  I had a client who had this coverage and thought he would never need it…. Until someone crashed into a telephone pole down the block and he lost power for over 24 hours!

Employment Practices Liability (EPL):  Simply put, EPL provides protection in the event of a lawsuit due to sexual harassment, discrimination (age, gender, race, etc), wrongful termination, and more.  It can even include vendors and customers if third party coverage is added.

Employee dishonesty will reimburse you if an employee is stealing money, product, or other goods from the business.  If possible, make sure to specify Discovery Basis!

If you provide Valet services, make sure to let your agent know and get quotes for garagekeepers liability.  Last, make sure to include business income and extra expense coverage on the policy – actual loss sustained is the best format, if available.

Fine print time – make sure to ALWAYS discuss coverages thoroughly with your agent.  Each company will handle coverage differently.  These suggestions are good starting points, but they are by no means comprehensive or always applicable.  Your agent will go over in more detail the coverages above, and hopefully some additional things for you to consider.  Good luck and rest easy – insurance is in place to protect you and your business!

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