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By in Latest News Comments Off on Make The Comeback Greater Than The Setback: Lessons Learned From COVID-19

Make The Comeback Greater Than The Setback: Lessons Learned From COVID-19

In the evening hours of March 15, 2020, Governor Tom Wolf made an announcement that will be etched into the minds of Pennsylvania restaurant or tavern owners forever. That announcement officially ordered restaurants and taverns in certain SEPA counties to close their dine-in facilities at 12:01 a.m. March 16 to fight the spread of COVID-19.

The very next day during an afternoon presser, the governor expanded the order to include restaurants and taverns in all counties.

Despite the panic and fear it caused within the industry, overwhelmingly Pennsylvania’s restaurants and taverns followed the order with many redefining business models to provide take-out food and beverage service only.

None-the-less, COVID-19 is a setback for every establishment and every industry employee. Revenue has been lost, and income-producing jobs have been put on hold.

So, we must ask ourselves a question … what has our industry learned from all of this?

Upfront, we learned the importance of having a business continuity plan.

Equally important, particularly as any crisis eases, is having a recovery plan. Here are four things to consider when working on your recovery plan.

Customer Communications

Those who were able to conduct some business during the COVID-19 crisis learned the value of keeping in touch with past customers. Many establishments saw value in using email lists and social media.

If you haven’t built a customer email list, now is the time to get started. Find a way to collect email addresses every time a customer places an order. Not only can you use an email list during a crisis, but you can also tap its power for normal business operations. Tools like MailChimp make it easy and affordable to maintain email lists and create promotional emails.

As we learned in a social distancing world, social media plays a huge role in connecting with friends and family. Many restaurants offering take-out service as part of their COVID-19 business continuity plan relied partly on Twitter and Facebook to get the word out. If you’re not already using these two tools, it’s time to get started.

Ordering and Delivery

The role of online ordering and delivery services increased as the COVID-19 crisis grew. Establishments that had Websites ready to take orders had an advantage. Similarly, those already connected with delivery services like Uber Eats and DoorDash were a step ahead of their competition.

Since these tools are growing in popularity, and maybe now part of the customer culture as a result of the COVID-19 crisis, your establishment needs to take them seriously. Talk to your Web designer to see what you can do to improve your online ordering capabilities. Maybe you even need an app for use on cell phones. Also, reach out to a delivery service and connect.

Insurance Review

How many owners really knew what was and wasn’t covered in their business insurance package before the COVID-19 crisis? For sure, many found out during the crisis what wasn’t covered.

As the Pennsylvania Licensed Beverage and Tavern Association has said in the past, shopping around and doing a yearly review of your insurance needs should be a part of your annual business plan (see March 2020 edition of this magazine). If not, now is the time to work it into your recovery plan. Talk to your broker or directly to an insurance company for help.

If you don’t have a broker, the we suggest contacting Independent Food & Beverage Insurance Brokers, Inc. (IFB), which is an Associate Member of our Association and ready to help Members with their needs. To reach IFB, call Michael Sabino at (201) 460-8465 or 1 (800) 336-6121. Or send an email to info@ifbinsure.com.

Also, Integrated Specialty Coverages (ISC) is another Associate Member of the PLBTA. You can purchase ISC insurance through a broker or through Gaslamp Insurance Services at 1-888-681-1230. For more information on ISC, call (619) 550-8786.

Membership

You don’t want to be left in the dark during a crisis. And it helps to be in-the-know during times of normalcy. Being a part of organized taverns should be in your yearly plan.

During the first three weeks of the COVID-19 crisis, the Pennsylvania Licensed Beverage and Tavern Association sent 25 alerts to Members. Each alert contained valuable information ranging from financial matters to safety issues to breaking news.

Based upon the open rate and click-thru rate of each alert we sent, it was very evident that each alert was being read and then circulated. Having access to this type of information can save a business.

We also know that non-members suffered by not being a part of organized taverns as they scrambled to get important news and help. Members certainly had an advantage.

Maintaining your membership in the PLBTA is important at all times. Renewing or joining is as easy as going to www.pataverns.com and using your credit card. Those who are not Members can easily begin the Membership process using the same Web address.

 

This story was republished from the May 2020 edition of the Pennsylvania Beverage Media, which is the official monthly magazine of the Pennsylvania Licensed Beverage and Tavern Association.

By in Latest News Comments Off on Statement: Rep. Masser’s Lifeline Amendment Vital For Tavern, Restaurant Survival

Statement: Rep. Masser’s Lifeline Amendment Vital For Tavern, Restaurant Survival

The following is a statement from Chuck Moran, executive director of the Pennsylvania Licensed Beverage and Tavern Association. The PLBTA represents small business taverns and licensed restaurants across the state.

 

For Pennsylvania’s small business taverns and licensed restaurants, it’s about survival.

Along with school districts, our industry has been the tip of the spear in this fight to flatten the coronavirus curve, buying time for our health care professionals to prepare. They’ve sacrificed a lot.

Unlike other types of liquor licenses that can operate their base businesses, our Members have not been allowed to do the same. While others are seeing expanded sales and profits, Pennsylvania restaurants and taverns have suffered lost markets and income.

But, today, Rep. Kurt Masser (R-107), who represents parts of Columbia, Montour and Northumberland counties, and 192 other members of the Pennsylvania House of Representatives passed an amendment to HB 327 that will make it a little easier for local taverns to survive. That amendment allows the sale of mixed spirit drinks to go, something that is currently not allowed by state law.

The final vote on A05282 was 193-9, showing overwhelming support from both Republicans and Democrats.

A study by the National Restaurant Association estimates that the Pennsylvania restaurant and food service industry will lose more than $1.8 billion in sales in April. The same study indicates 96 percent of Pennsylvania restaurant operators have laid off or furloughed employees since the beginning of the coronavirus outbreak in March.  (Our members have an average of 17 employees each.)

The study also suggests future restaurant closures should be anticipated.

The Governor’s reopening plan suggests it could be many more months until all Pennsylvania counties reach a “Green phase,” which is why finding additional revenue streams for small business taverns and licensed restaurants is so important for their survival.

HB 327 now moves onto third consideration.

On behalf of all Pennsylvania Licensed Beverage and Tavern Association Members, we thank Rep. Masser for spearheading this amendment. We also thank both Republican and Democrat members of the House who voted today to help small business taverns and licensed restaurants.

By in Latest News Comments Off on PaTaverns COVID-19 Information and Guidance

PaTaverns COVID-19 Information and Guidance

Since the start of the coronavirus crisis, the Pennsylvania Licensed Beverage and Tavern Association has kept its Members up-to-date with daily reports and links to important information to help them navigate these troubled waters. This page is a collection of important links in one location.

Last updated July 15, 2020, 5:45 p.m.

 

Orders and Legal Matters

 

 

 

 

Financial Matters
  • Coronavirus Aid, Relief, and Economic Security (CARES) Act
      • Economic Disaster Injury Loan via Small Business Administration – A quick infusion of a smaller amount of cash to cover you right now
      • Small Business Debt Relief Program – provide immediate relief to small businesses with non-disaster SBA loans

 

 

 

  • Pennsylvania’s COVID-19 Working Capital Access Program (CWCA)
    • Access point for this program:  Certified Economic Development Organization (CEDO) for county where business is located (Find it here)
    • Eligible Businesses: Any for-profit businesses located in PA and with 100 or fewer employees worldwide may qualify for disaster relief loans. Your application must be processed through the CEDO designated for the county where your business is physically located.
    • Loan Amount: The lesser of 3 months of working capital not to exceed a loan amount of $100,000
    • Interest Rate: 0% for all business types except Agriculture Producers
    • Amortization: 12 years
    • Term: 3 years
    • Repayment: No payment in first 12 months, amortized payments monthly for the following 24 months, one balloon payment for the remaining balance in the 37th month
    • Collateral: Blanket lien on all current business assets and any acquired in the future in first available lien position
    • Guarantors: All owners (individual or other business entities) owning 20% or more of applicant business must guarantee the loan. Some credit criteria for approval (as evaluated by PIDA) may include: at least breakeven performance in the prior year, acceptable personal credit history of the guarantors, and historical cash flow adequate to pay obligations
      • For the Guarantors (any owner, individual or business entity, with 20% or more interest in Borrower):
        • Signed Certification Sheet (Individuals) (Business Entities)
        • For individuals: A signed and dated Personal Financial Statement (Click Here for blank form) or provide what you have already prepared dated within last 12 months
        • For business entities: Most recent year of financial statements

 

  • Rapid Response Assistance – for businesses that have had to close either temporarily, consider layoffs, or is financially at-risk for permanent closure. This program from the Pennsylvania Department of Community and Economic Development is available to assist you with a variety of services and resources to help you and your employees.

 

 

  • Pandemic Unemployment Assistance
    This applies for those who typically do not qualify for unemployment compensation. We anticipate Pennsylvania having this program up-and-running towards the end of April.

 

 

Mental Health Assistance
  • Disaster Distress Helpline – Call 1-800-985-5990 or text TalkWithUs to 66746
  • National Suicide Prevention Lifeline – Call 800-273-8255 or Chat with Lifeline
  • Crisis Textline – Text TALK to 741741

 

Health Safety

 

General Business Advice

 

Pennsylvania Licensed Beverage and Tavern Association Membership

 

Pennsylvania Licensed Beverage and Tavern Association Letters To Members

 

Pennsylvania Licensed Beverage and Tavern Association In The News

 

By in Latest News Comments Off on Letter to Members: We Will Be Better Because Of This

Letter to Members: We Will Be Better Because Of This

Dear Members,

Never could I have imagined for any reason that I would have to tell every Member of my Association to either close their establishments or limit their services.  The order from Governor Wolf to Pennsylvania’s taverns and restaurants to limit service to take-out only initially shocked those in the industry. Fear of lost revenue for these small businesses and paychecks for their employees immediately was very evident in every phone call or email I received.

At that time, there was little I could tell you to ease your pain beyond letting you know many associations including ours were working to help you through these difficult times.

Pennsylvania’s taverns and restaurants were the tip of the spear in this fight. Early and decisive decisions had to be made by Governor Wolf to flatten the curve, buy time for our health care professionals to prepare, and ultimately save as many lives as possible.

It was the right decision. The Pennsylvania Licensed Beverage and Tavern Association supported the governor’s order early.

Fortunately, our elected leaders in both Harrisburg and Washington, DC, haven’t forgotten the sacrifice small businesses are making. Financial help is on the way to both small business owners and their employees.

The importance of saving lives is being matched by the importance of saving livelihoods.

I believe that as Pennsylvanians navigate this crisis, all of us will be better because of it.

We now know what it’s like to have our jobs and ways of life threatened in a manner no one could have ever guessed.

We now know the value of loved ones and friends more than ever before as we practice social distancing and self-isolation.

We now know the value of different professions. From the cook preparing take-out food to the cashier in the grocery store ringing up orders to the healthcare provider saving lives, we’ve learned how important each and every person is.

And, we even learned how our very own individual actions are important as we put more emphasis on washing our hands, covering our noses and mouths with every sneeze and cough, and not hoarding necessary supplies like food.

We will weather this storm. And, we’ll be a better country and better people because of this.

 

Sincerely,

Chuck Moran
Executive Director
Pennsylvania Licensed Beverage and Tavern Association

By in Latest News Comments Off on Pennsylvania Taverns with Pick-up Service During Governor’s Coronavirus Order

Pennsylvania Taverns with Pick-up Service During Governor’s Coronavirus Order

The following is a list of PLBTA Members that are offering either pick-up service, delivery service, or both during the Governor’s Order related to COVID-19. Some are also selling gift cards and/or participating in a virtual tip jar to help their employees.

We ask Pennsylvania to help these small businesses at this time of crisis by ordering a meal to take home. Maybe you can buy a gift card to use after the crisis passes.

Members … please send an email to pataverns@pataverns.com to be added to this list.

List as of 10:00 p.m. on 3/30/20

 

Adams County

  • The LIVERY – 900 Chambersburg Road, Gettysburg
    717-334-4598
    Pick up only, meals and beer
    4 to 8 p.mm Monday-Sunday
    Gift cards available

 

Allegheny County

  • Carmella’s Plates and Pints – 1908 East Carson Street- Pittsburgh
    412-918-1215
    Pick up service every day between the hours of Noon and 8 p.m.
    Full menu
    Gift cards available by placing your order over the phone and we will mail to you or by stopping in

 

Berks County

  • Little Oley Tavern – 2068 Farmington Avenue, Boyertown
    610-367-2353
    Pick-up service starting Monday, March 23

 

Butler County

  • B&J Coney Island – 635 Kelly Road, Slippery Rock
    Lunch, Dinner
    Curb-side Food Orders
    (724) 794-4899

 

Carbon County

  • Joey B’s Bar – Restaurant – 638 Delaware Ave., Palmerton
    610-826-6620
    Offering pick-up / curbside
    Tuesday-Sunday 11AM – 8PM
    Gift cards available

 

Chester County

  • Spring City Hotel – 88 N. Main Street Spring City
    610-948-7525
    Take out food and beer
    Wed-Sat 4-8
    Gift cards available
  • Ron’s Original Bar & Grille – 74 E Uwchlan Avenue, Exton
    610-594-9900
    Take-out, Delivery and Curbside Pickup
    11 a.m. to 9 p.m.
    Gift cards available
    Tips maybe left on credit cards or via cash
    Follow via Twitter @ronsoriginal

 

Clearfield County

  • Denny’s Beer Barrel Pub – 1452 Woodland Road, Clearfield
    814-765-7190
    11 a.m. til 9 p.m.
    Six pack Bottle Shop Open
    Order from our menu online at www.dennysbeerbarrelpub.com
    Or call in Take Out Orders
    Food pick up in Bottle Shop or You may request Curb side service if ordering online

 

Cumberland County

  • Flinchy’s – 1833 Hummel Ave, Camp Hill
    717-761-9000
    Offering: Pickup, Curbside, and will deliver catering business meals to companies up to 10 employees.
    Open 1100 am – 7:00 pm
    Gift Cards available
    Forwarding tips to servers
  • Three Pines Tavern – 336 N. Baltimore Ave. Mt. Holly Springs
    717-486-3656
    Pick-up, Delivery soon
    11 a.m. to 8 p.m.

 

Dauphin County

  • Mangia Qui, Rubicon and Suba – 272 North Street, Harrisburg
    Rubicon – 270 North St, Harrisburg
    Suba – 272 North St, Harrisburg
    Free delivery and curbside pick-up
    All orders are by phone – 717-233-7358
    Menus and info available online by clicking on name above

 

Delaware County

  • Frontier Saloon – 336 Kedron Ave Folsom
    610-534-1424
    food pick up and beer takeout
    10 a.m. to Midnight
    Gift cards available

 

Erie County

  • Edinboro Hotel Bar – 100 Meadville Street, Edinboro
    814-734-5103
    Pick up or curb side delivery only
    11:30 a.m. to 9 p.m. Sunday-Thursday
    11:30 a.m. to 10 p.m. Friday & Saturday
    Gift cards sold in-house, Orders for gift cards over the phone available and can be mailed
    Follow us via Twitter @EdinboroHotel

 

Fayette County

  • Arch Café – 615 N.Pittsburgh St., Connellsville
    724-628-9117
    Pick-up, curbside, and delivery
    11 a.m. to 8 p.m.
    Gift cards available

 

Franklin County

  • Norland Pub – 454 Norland Avenue, Chambersburg
    717-264-9115
    Offering Carry Out & Limited Delivery Options
    11 a.m. to 8 p.m., 7 Days a Week
    Gift cards available

 

Lancaster County

  • Hot Z Pizza – 3001 Harrisburg Pike, Landisville
    Monday through Sunday, 11 a.m. to 9 p.m.
    Pickup & Delivery
    Order online:
    bit.ly/HZPOrderOnline or call ahead at 717-898-3889 

 

Lehigh County

  • Mahoneys Irish Pub – 1609 Hanover Ave Allentown Pa
    610-433-6170
    11 a.m. to 10 p.m.
    Gift cards available

 

Montgomery County

  • Jerzees Sports Bar & Pizziaria – 2609 Mt Carmel Avenue, Glenside
    215-572-1105
    11 a.m. to 11 p.m.
    Online ordering available on our website
    Takeout Food and Beer available Credit only no cash
    Delivery Food and Beer available Credit only no cash 3 mile delivery radius

 

Philadelphia County

  • Villa di Roma – 934 S. 9th Street, Philadelphia
    215-592-1295 (Call first)
    Pick-up service Tuesday through Sunday, Noon to 8 p.m.
    Gift certificates and cold beer also available

 

Wayne County

  • The Grille Room & Overlook Restaurant – 301 Woodloch Springs, Hawley
    570-685-8131
    Pick up service
    Mon-Thurs: 4 p.m. to 8 p.m., Fri-Sun: 12 p.m. to 8 p.m.
    Gift cards available
  • The Boat House Restaurant – 141 PA-507, Hawley, PA 18428
    570-226-5027
    Pick up service
    12 p.m. to 7 p.m. daily
    Gift cards available
  • The Pines Tavern – 153 Welwood Avenue, Hawley
    Noon til midnight
    Pick up service, food and beer

 

Wyoming County

  • The Table Rock Hotel – 11018 St Rt 6, Laceyville PA 18623
    570-869-9983
    Pick up pizza, stromboli and beer
    11 a.m. to 9 p.m.

 

York County

  • The Other Place – 10 S. Highland Ave., York
    11:30 a.m. to 9 p.m.
    Take-out Service
    Paper menus on the door to take home
  • Alley Oops Sports Bar & Grill (Suburban Bowlerama) – 1945 S. Queen St., York
    717-848-4967
    Pick-up and Delivery
    Gift cards available
    Follow them on Twitter @suburbanbowling
  • Goofy’s Eatery and Spirits – 5965 York Road, Spring Grove
    11 am to 10 pm
    717-225-9909
    Delivery and pickup
  • Golden Crust Pizza – 59 East Broadway, Red Lion
    717-246-2773 or Order Online at http://gcpizzaonline.com
    Sunday: 4 p.m. to 9 p.m.
    Wednesday / Thursday: 11 a.m. to 9 p.m.
    Friday / Saturday: 11 a.m. to 10 p.m.
  • VFW Post 5265 – 199 W First Ave, Spring Grove
    717-225-4010
    Pick-up in the dining room
    11 a.m. to 6 p.m.
    Gift cards available
    Follow via Twitter @vfw5265
  • Westgate Restaurant & Lounge – 1550 Kenneth Road, York
    717-767-6614
    Take out, please call ahead to place order
    11 a.m. to 9 p.m.
    Menu is on website
  • Glenville Station – 7945 Glenville Rd,Glenville
    717-235-3339
    11 a.m. to 6 p.m. Daily
    Carry out Food and Beer

 

 

Saxton&Stump

By in Latest News Comments Off on An Open Letter to Pennsylvania Bars and Restaurants Concerning COVID-19

An Open Letter to Pennsylvania Bars and Restaurants Concerning COVID-19

Yesterday’s announcement from Governor Wolf left many wondering why bars and restaurants were ordered to close. And, it didn’t help matters that after the order was made, there was significant confusion due to different interpretations of the order until Governor Wolf sent out a clarification last night.

It was a tough decision, no doubt. But, there’s a simple answer why Pennsylvania bars and restaurants were ordered to close.

We don’t want to be the next Italy. Some in the medical community fear that it could happen, and happen quickly. COVID-19 has the unique ability to spread in a very short time period and impact large populations at once, as we’ve seen across the world.

Italy chose not to address social distancing until it was too late. Up until the very last minute, bars and restaurants were filled to capacity.

The slow response by the Italian government has left staggering statistics with a health care system that is overwhelmed. News reports make it clear that hospital staffers have had to make devastating decisions about who gets treated and who they must let go. As of this morning, Italy was reporting nearly 30,000 coronavirus cases and more than 2,000 deaths.

Governor Wolf’s order to close the state’s restaurants and bars was difficult, but it was in the best interest of public health. Hopefully, it will slow the spread, flatten the curve, and give our health care networks the time they need to prepare.

It’s often been said that health care professionals are on the front lines of the war against diseases, and that they are heroes.

Let’s add Pennsylvania tavern and restaurant owners, bartenders, waitresses and waiters, and other staff to the list of heroes. They’re the tip of the spear in this fight. They’re sacrificing revenue and salary to play their part in stopping the spread.

This crisis will pass. There was once a time that the world struggled with polio. That was until a Pennsylvania physician named Jonas Salk invented a vaccine. Today, polio is almost non-existent. Our country’s smartest medical researchers are working on this, and like Jonas Salk, they’ll find an answer.

And, when they do, patrons will return to restaurants and bars, celebrate life, and declare victory.

Chuck Moran
Executive Director
Pennsylvania Licensed Beverage and Tavern Association

 

Members please continue to monitor your emails for our “On the Fly” alerts. These are being issued as we learn more about the COVID-19 situation and how it is impacting your business. If you are not receiving those emails, please send us a message at pataverns@pataverns.com.

 

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By in Latest News Comments Off on Shopping Around: Why Insurance Needs A Check-up

Shopping Around: Why Insurance Needs A Check-up

Bart Everson CC BY (https;//creativecommons.org/licenses/by/2.0)

By now, most people are familiar with GEICO commercials that say “15 minutes could save you 15 percent or more on car insurance.”

But is it true? Can a person save money on car insurance by essentially shopping around, and can it be as high as 15 percent? According to a 2018 article in Forbes, there appears to be some truth in the statement. In an eight-state study conducted by the magazine, researchers dug into data and found supporting statistics based upon state medians. But, the article also mentioned that Geico is not always the cheapest.

None-the-less, depending upon who you are with, shopping around may be worth a driver’s time.

So, can a tavern owner apply this theory to business insurance including liquor liability? And should a tavern owner have business insurance?

According to the U.S. Small Business Administration, many small businesses often assume that by forming a Limited Liability Company (LLC), they’ll be afforded protection in the event of a lawsuit. However, while this structure can protect you from personal liability for business decisions or actions of the LLC – the liability protection is limited.

So, yes, it’s a good idea to be insured as a business.

And, can a tavern owner save money by shopping around?

“Absolutely,” says Chuck Moran, executive director at the Pennsylvania Licensed Beverage and Tavern Association. “We encourage our Members not to get too comfortable with their current insurance arrangements. It’s important to see how sharp their pencils are.”

He offers the following tips based upon conversations with Members, insurance companies, and brokers.

  1. Assess your risks. Work with a qualified insurance professional to perform a risk management assessment, providing a list of potential events that could lead to a loss, determine estimated costs of each, and how best to address each risk.
  2. Direct writer or broker? Either option is fine. Just be sure that you trust the person you are working with to ensure you are getting the best price and the right insurance for your business needs.
  3. If working with a broker, ask to see a few bids. Compare rates. Understand differences.
  4. Brokers work on commission, while direct writers may not. Don’t stick with an unsuitable agent because that’s who you always worked with or because you don’t want to hurt his or her feelings by switching. Get what you need.
  5. Discounts? Well, maybe … maybe not! That’s why you need to shop around. Sometimes packages that come with a “discount” are not the best priced option, and, possibly not the right insurance package. Discounts are marketing gimmicks that are not always in the best interest of the buyer.
  6. Costs and coverage vary between companies. Know what you are buying. Read everything.
  7. When you’re buying business insurance, talk to an industry specialist who understands common problems unique to the bar business. Often specialist can get you the best coverage and the best rates.
  8. Do an annual business check-up. Make it a part of your yearly routine. As your business changes, so will your insurance needs.
  9. Evaluate. Evaluate.

Moran adds that the Pennsylvania Licensed Beverage’s preferred insurer for liquor liability is Integrated Specialty Coverages, available through brokers statewide. “Of course, as an Association we want our Members to ask their brokers for a quote from ISC while they’re shopping around,” Moran says. “Taking an extra 15 minutes by getting that one extra quote might be worth your time!”

 

By in Latest News Comments Off on Harrisburg Check-in – Getting to know Rep. Kurt Masser

Harrisburg Check-in – Getting to know Rep. Kurt Masser

The Pennsylvania Licensed Beverage and Tavern Association sat down with Rep. Kurt Masser recently to learn more about him and his interest in politics. He is the only active tavern owner who sits in the Pennsylvania House of Representatives. In addition to owning Wayside Inn in Shamokin, he represents Montour County and parts of Northumberland and Columbia County in the state House. In recent months, Rep. Masser has been hosting a listening tour, travelling to different counties to meet with tavern owners about their concerns.

PLBTA: Tell us about the Wayside Inn. How long have you been in the bar business and why?
KM: I have been in the business for 38 years, we have owned the Wayside Inn for 31 years. We originated in the hospitality industry because of a need to market our farm products. I grew up on the family farm. We first started a farm market, then went into the restaurant and catering business and then we purchased the Wayside Inn. All are still open and doing well.

PLBTA: Thinking back to your first elected position, what motivated you to run for public office?
KM: It was as simple as opening my real estate tax bill at the business. I was mad as hell because of a large tax increase. I knew I had a couple of options, harp and complain or get involved, I chose the latter and ran for and won a seat as County Commissioner, then 7 years later for State Representative.

PLBTA: There are a number of pressing issues facing tavern owners today. Of all the issues, which ones are you most concerned with addressing?
KM: I have spent considerable time on gaming for taverns. But I also have been hearing from a number of people in the industry about fairness between different types of licensees, and am now working on those issues also.

PLBTA: Passage of Act 39 forced many changes in the retail liquor industry, with unintended consequences for many licensees.  Similar changes took place with each new law regulating gaming, from small games of chance to skill games and VGTs.  Taverns are facing more challenges and more competition than ever before from many angles.  Do you anticipate the Pennsylvania House of Representatives looking at the impacts of Act 39, and making changes to help level the playing field for all licensees?
KM: I think we have to look at the impacts of Act 39, and it is my job to help the rest of the General Assembly understand the challenges we face. The industry has radically changed since I’ve been in it, we need to be able to change and also to adapt, but more importantly we need the legislature to partner with us to protect our industry and the jobs associated with it.

PLBTA:  What can tavern owners do to help convince legislators to support them and get the changes they need from the PLCB and state government?
KM: Most importantly get to know your legislators. Make sure they hear from you! It means much, much more to me when I hear from a constituent in my District. Invite them to meet with you and talk about the issues. If possible, do a meeting with numerous tavern owners from his/her district and the legislator. They need to hear from you. It can be very frustrating when we are advancing a bill that either hurts or helps us and I hear from my colleagues that they hadn’t heard from any tavern owners.

PLBTA: As you know, our Members are mostly Mom-and-Pop operations. When they look around their hometowns, they can see that the local hardware store has closed, the independent doctor was bought out by a hospital chain, and the neighborhood grocery store is no more. They worry that their industry is next. Do you ever worry about small businesses going away?
KM: I do have concerns, but I don’t worry that our industry will go away. As I have said before, like any other business, times change, industries change, and you need to be ready and willing to change with those times.

PLBTA:  Rep. Masser, do you have any advice for bar and tavern owners about how to help change the state’s liquor or gaming laws?
KM: Get involved and let your voice be heard. You need to know your State Rep. and your State Senator, and they need to know you. I know running your business takes all of your time, and sometimes you may think “what is the point, it won’t matter”. I was just like most of you before being elected, but I now know how wrong I was.

PLBTA: Do you have any advice to other tavern owners who may be interested in running for office someday?
KM: If you are able to, you should run for office. Whether local, state or Federal, we need more people in office who have signed the front of the check. We need more people who have struggled to make payroll and pay bills, that know how changes to any laws can and will affect small business.

 

This Q&A was republished from the February 2020 edition of Pennsylvania Observer — the official monthly magazine of the Pennsylvania Licensed Beverage and Tavern Association.

 

 

By in Latest News Comments Off on Harrisburg Check-in: Getting to know Tim Holden, Chairman of the Pennsylvania Liquor Control Board

Harrisburg Check-in: Getting to know Tim Holden, Chairman of the Pennsylvania Liquor Control Board

The Pennsylvania Licensed Beverage and Tavern Association sat down with Tim Holden recently to learn more about him and his goals at the Pennsylvania Liquor Control Board. Holden was nominated to the Pennsylvania Liquor Control Board by Gov. Tom Corbett on June 14, 2013. He was named Chairman of the PLCB by Gov. Tom Wolf on Feb. 17, 2015. Prior to his appointment to the PLCB, Holden was the US Congressman for Central Pennsylvania’s 17th congressional district from 1993 to 2013, and before that, Sheriff of Schuylkill County. He is a resident of St. Clair, near Pottsville, and a graduate of Bloomsburg University.

PLBTA: Thinking back to when you first became involved in politics and government, what motivated you to do so
TH: Being in politics is sort of the family business. My father was a Schuylkill County commissioner when I was two years old. He retired from that position my senior year in high school. My grandfather was a borough councilman. My great-grandfather was president of the first miners’ union, the Workingmen’s Benevolent Association. Growing up, we were always talking about politics and sports around the table every night at dinner. I was always taught that public service was a noble profession.

PLBTA: As chair of the PLCB, what is your priority? Can you describe your role as chair?
TH: I really enjoy being chairman of the PLCB at this point in its history. There are so many things going on, so many positive changes. Act 39 of 2016 was really was transformational, and I was proud to see the whole agency come together to adapt and complete all the things the PLCB had to do with great professionalism. The PLCB is a $2.7 billion business, and we are running more smoothly, more efficiently, and more professionally than ever before.

As chairman, it’s my job to make sure we continue to operate that way. I work very closely with Board Members Mike Negra and Mary Isenhour and with our Executive Team to make sure the PLCB remains as successful and efficient as possible. We have stressed improving the customer experience and we are trying to be as consumer-friendly as possible. We’re also making sure our Bureau of Licensing has the resources it needs to support almost 21,000 licensees and permittees.

This Board also takes its role in promoting responsible alcohol consumption very seriously, and we’ve committed serious funds to campaigns such as Know When. Know How.SM, an award-winning campaign that reaches out to parents of children as young as 8 years old.

PLBTA: There are always conversations going on about the distribution of liquor licenses. Some parts of the state say they need more, while in other parts they can’t be given away. Where does the PLCB stand in terms of license distribution? Should the county quota system be updated regularly to reflect population changes?
TH: As an administrative agency tasked under current law with responsible, effective, and efficient regulation of the liquor licenses, we generally leave policy discussions up to the General Assembly and the Governor.

PLBTA: As you know, our Members are mostly Mom-and-Pop taverns and bars. When they look around their hometowns, they can see that the local hardware store has closed, the independent doctor was bought out by a hospital chain, and the neighborhood grocery store is no more. They worry that their industry is next. Do you ever worry about our small business pubs going away, and is it a concern for the PLCB?
TH: I grew up in a small town and, as a member of Congress, I represented many, many small towns and small businesses. In fact, some of my favorite campaign stops were in mom-and-pop bars at the end of a long day on the trail. In many cases, those businesses are the gathering places, the backbones, the life blood of those communities. We have tried to make things easier for small licensees. We tried to reduce the amount of paperwork they have to fill out. We put most of the licensing forms online and available 24 hours a day, seven days a week, so licensees can take care of them when they have the time. We’ve opened more licensee service centers so mom-and-pop licensees have simpler access to products. While the PLCB cannot favor one type of licensee over another, we are trying to make it easier for small licensees.

PLBTA: There have been two legislative hearings last year about flexible pricing that Act 39 granted the PLCB. You personally have testified on both occasions. What message do you have for bar owners about flexible pricing?
TH: In Act 39, the legislature and Governor Wolf gave us the authority to use our purchasing power. Since the PLCB was granted flexible pricing authority, we have been able to both maintain fair and competitive prices on a wide selection of products that deliver value, variety and quality, while growing profit and revenue to meet increased funding requests of the PLCB to help balance the state budget for the benefit of all Pennsylvanians. While prices on more than 80 percent of our products have not changed in the last few years, we have been able to get better returns for the citizens of Pennsylvania. Just a few years ago, the PLCB was giving $80 million of its profits to the General Fund. Last year, we gave more than $185 million of our profits to the General Fund. We have made the flexible pricing process as fair as possible, and we have been transparent with our vendors.

PLBTA:
As a former elected member of the US House of Representatives, do you have any advice to tavern owners who may be interested in running for office at any level someday?
TH: Get involved in your community, even if you’re not running for office right now. Become a voice in your community. If you’re really serious about running for office, get behind a person or an issue or a party and start there. I always say you can’t start at the top, so just get involved in the process. See if you like it. If you do, reach higher and higher.

This Q&A was republished from the January edition of Pennsylvania Observer, the official magazine of the Pennsylvania Licensed Beverage and Tavern Association.

 

By in Latest News Comments Off on Small business dilemma: health care access for employees

Small business dilemma: health care access for employees

Nationally, the top four health issues for employees are all preventable or treatable, but it’s important for tavern owners and their employees to have access to primary care to stay healthy and on the job.

According to one human resource consultant company, the top four health issues for employees include

  • High blood pressure
  • Allergies
  • Cholesterol
  • Back pain

Any of those, can result in employees missing work.

So, what can owners of bars, taverns, and restaurants do to keep their staffs on the job?

The average Member of the Pennsylvania Licensed Beverage and Tavern Association has a total of 16.8 employees. As far as the Affordable Care Act (ACA) is concerned, they’re considered small employers—those with less than 50 full-time equivalent employees. As such, they do not need to provide health insurance coverage to employees.

It’s important to note that the Tax Cuts and Jobs Act, passed in 2017, did not repeal the ACA—only the individual mandate. Even though there are court challenges to the ACA, the employer mandate for large employers is still in place.

Regardless, we know many tavern owners want to offer health care access as a benefit, but struggle with the cost of health insurance. As a result, many do not offer it at all.

But there are options to consider, and they could involve direct primary care (DPC) plans.

To be clear, a DPC plan is not health insurance. Instead, DPC is a plan to manage primary care directly between a provider and patient. This plan includes a variety of care associated with family or primary care doctors.

Idea #1 to bring down business costs: a small business may consider offering employees a DPC plan in combination with a high-deductible insurance policy to cover emergencies. Compared to traditional health insurance, high-deductible insurance plans typically cost less.

Let’s do the math on this.  A DPC plan can be as low as $65 per month through partnerships such as Healthcare2U and Gettysburg Benefits Administrators Inc. That comes out to $780 per year for an individual. According to the Kaiser Family Foundation, in 2017 the average annual premiums in the northeast for workers in a high deductible health plan with a savings option was $5,877 for single coverage. That combination comes out to $6,657 per year. If an employer in the northeast chose an HMO during that same year, the average cost for single coverage was $7,663.

Essentially, going with a combination of a DPC and high-deductible plan would have saved about $1,000.

Of course, that’s still a lot of money for a small business wanting to help their employees. So, what are other possibilities?

Idea # 2 to bring down business costs: some small business employers offer a combination of a DPC and a set amount of money to help the employee purchase insurance in the marketplace… or maybe just a DPC.

Melissa Lemaster of Gettysburg Benefits Administrators, Inc., says her company understands the struggles of small businesses and often sits down with them to discuss a wide arrange of options. She adds that a DPC is a creative option to consider.

“Healthcare generally begins with primary care,” she says. “In addition to potential cost savings it could create, a DPC plan makes sense.”

 

Disclosure: Healthcare2U / Gettysburg Benefits Administrators, Inc. is a preferred vendor of the Pennsylvania Licensed Beverage and Tavern Association. To learn more about DPC plans, contact Melissa Lemaster at mlemaster@getbenefitsadmin.com or call her at 800-497-4474, ext. 5030 or 717-334-3191.

This article was republished from the December 2019 edition of Pennsylvania Observer, the official monthly magazine of the Pennsylvania Licensed Beverage and Tavern Association.

 

Preferred Vendor: Gettysburg Benefits Administration Inc