INSURANCE SECURES YOU AND YOUR BUSINESS THROUGH USPCA
Philadelphia Chapter Helps Gift of Life House
LIABILITY INSURANCE
The Gift of Life House offers their guests (transplant patients and their families) a hot dinner every evening and brunch on weekends. Missy Gurmankin, the Philly Chapter president, got involved by helping to plan the GOL house kitchen and a manual for their volunteers. She started cooking there when it first opened. They named the program “Home Cook Heroes”.
Your clients recognize you for your credibility as a chef but they also want to know that you have the legal support to offset the accidents that sometimes happen in the home. When you’re cooking in someone else’s home USPCA has you covered with an umbrella liability insurance policy. Over the past two years the association has expanded your liability coverage and it now includes: • • • • •
The authorization to USPCA to extend coverage to members in good standing. $1,000,000 (One million dollar) General Liability coverage per occurrence. This includes property damage and bodily injury. The policy includes a $10,000 sublimit for objects in the care, custody and control of the chef. This policy has a $3,000,000 aggregate annual limit. A $500 deductible applies to each claim. $1,000,000 (One million dollar) Professional Liability coverage per occurrence. This policy has a $3,000,000 aggregate annual limit. A $1000 deductible applies to each claim. This coverage applies to situations where the Personal Chef is conducting his/her service at the client’s home. Accidental damage or injury to the client’s property or person as a direct result of the Personal Chef’s actions are covered.
Obviously this is a short version of a very long policy. In short, it covers what happens in your client’s home. It wouldn’t cover, for example, a traffic accident while driving to a client’s home. It also doesn’t cover commercial kitchens, a program the association is working on but would take an entire magazine issue to explain. Feel free to note to your clients that you are insured through your membership in the United States Personal Chef Association. If you need a copy of the insurance certificate for a client or have additional questions about coverage, feel free to call the USPCA member services director, Vince Likar, at 1-800-995-2138 or reach him via email at vlikar@uspca.com. HEALTH INSURANCE Confused by everything about the Affordable Care Act? You’re not alone. But USPCA has an answer. Working with the American Health Insurance Exchange, USPCA is able to offer members a variety of choices for their health insurance both on the exchanges and off the exchanges. The experts at AHIX can help you wind your way through the Affordable Care Act to determine what is best for you and offer more plans and more choices. Visit the Health Insurance link on the Membership Tab of the USPCA. com website to learn more today about how you can insure your health and your peace of mind.
The house has a beautiful and well equipped kitchen and Missy thought that it would be a great place for the Philadelphia Chapter to volunteer as well. She cooks there with family and friends on a fairly regular basis and the Philly chapter has cooked dinners and brunches many times in the past four years. These are photos of the chapter’s last visit on Sunday, May 4th. Lisa Cifelli from the NJ Chapter was there to lend a hand as well. The menu they prepared included a Green Chili Frittata Spinach and Parmesan Soufflé, Oven Roasted Herb Potatoes, French Toast Casserole, Zucchini Muffins and more. The Gift Of Life Family House is located at 401 Callowhill St., Philadelphia. PA 19123 http://www.giftoflifefamilyhouse.org/ Since the GOL Family House was literally located one block from Missy’s home, she hosted a cooking class the same day. It was one of the chapters more casual affairs. It was a collaborative effort in that each chef prepared one item each. The theme was International Tapas. Chris Welsh prepared the Spanakopita cups, Adela Flynn prepared Chorizo with Pan Fried Crouton Kabobs, and Missy Gurmankin prepared Shrimp Summer Rolls with a Spicy Peanut Dipping Sauce. They washed everything down with fresh Minty, Lime Mojitos!
Minty Lime Mojitos 10 fresh mint leaves 1/2 lime, cut into 4 wedges 2 tablespoons white sugar, or to taste 1 cup ice cubes 1 1/2 fluid ounces white rum 1/2 cup club soda Place mint leaves and 1 lime wedge into a sturdy glass. Use a muddler to crush the mint and lime to release the mint oils and lime juice. Add 2 more lime wedges and the sugar, and muddle again to release the lime juice. Do not strain the mixture. Fill the glass almost to the top with ice. Pour the rum over the ice, and fill the glass with carbonated water. Stir, taste, and add more sugar if desired. Garnish with the remaining lime wedge. Makes one Mojito
Personal Chef | 9