How will your restaurant recover if a menu item triggers foodborne illness or an accidental contamination occurs?
Spoiler Alert
It can happen to any restaurant or dining operation. A freezer fails overnight and thousands of dollars of perishable products are compromised. The meat, dairy, seafood—what have you—is no longer safe to prepare. Not only is the restaurant on the hook for a major appliance repair or replacement, but the inventory also cannot be sold, so there are lost profits plus a need to reorder. Typically, standard commercial property insurance policies do not include a food spoilage endorsement. But without it, owners are taking on a substantial risk.
Contamination Coverage
Whether your business is catering, a food truck or dine-in establishment, restaurant contamination insurance will protect you in case ingredients cause foodborne illness, or if items are contaminated from the supplier. Malicious product tampering and accidental contamination are also risks—as is the negative publicity that can harm your brand. A comprehensive restaurant contamination endorsement will address these what-ifs that could put you out of business.
Easily Overlooked on the Insurance ‘Menu’
Depending on the operation, there are risks related to franchise royalty, data breach, trade name and beyond. Especially relevant in the last two years are pandemic events that prompt business shutdowns and natural disasters that cause power losses, building damage or both. In the restaurant-hospitality industry, there are layers of risk ranging from employee practices liability and workers’ compensation to business owners’ policy and specialty endorsements that address spoilage, contamination and pandemic loss.
Let’s talk. Our insurance advisors can review your existing policy to identify potential gaps so you can focus on what’s most important to you—a fantastic menu and guest service.