RESTAURANT INSURANCE FOR FOOD POISONING (QUOTES, COST & COVERAGE)
Restaurant Insurance For Food Poisoning
How can you shield yourself from the dangers associated with food borne illness claims? – With the right restaurant insurance for food poisoning.
Commercial General Liability Insurance And Food Borne Illnesses
How Product Liability Insurance Protects Against Food Poisoning
If your restaurant is accused of serving questionable food or practicing inadequate food preparation, there is a very good chance that you will be held liable.
For example, if you have a patron that makes your server aware they have severe peanut allergy, then the servers & cooks should make reasonable accommodations. If the cook accidentally uses the same utensils that were used with peanut butter to prepare their meal – that cross-contamination can result in that patron having severe allergic reaction and needing emergency medical care.
If a customer is able to prove that the food he or she ate while dining at your restaurant made him or her ill and medical intervention was necessary, you could end up having to shell out a large amount of money. You might be responsible for paying the customer’s medical bills and the costs associated with litigation; not to mention a possible settlement. What’s more, your reputation could end up being flushed down the toilet.
If you have a commercial restaurant insurance for food poisoning policy, you can protect your business – and yourself – from the damaging effects of a food poisoning claim. In the event that a claim is filed, the insurance company will cover the costs associated with such claims, relieving you from the financial burden that such a case could cause. If your own employees become sick, you will need workers compensation for restaurants coverage.
Are there any Exclusions?
While restaurant insurance for food poisoning can assist with the medical and legal fees associated with a food poisoning claim, it is important to note that this type of policy won’t cover everything. There are some exclusions to be aware of:
- Contamination exclusions. Generally, a contamination exclusion states that the insurance provider will not cover the costs associated with or damages caused by contamination. However, should the insured suffer direct physical damage or loss, than the loss or damage will be covered.
- Pollution exclusions. If food was contaminated as a result of pollution on the premises of the restaurant, than a commercial liability policy may deny coverage for any food poisoning claims that are filed. You would need pollution legal liability insurance for that. What kind of insurance does a restaurant need, food business insurance cost, insurance for restaurants and bars, average restaurant insurance cost, food poisoning insurance, restaurant insurance quote, restaurant insurance programs & restaurant insurance plan.
Restaurant Insurance For Food Poisoning - The Bottom Line
We hope this article on restaurant insurance for food poisoning was informative. As a restaurant owner, protecting your business and yourself from potential perils is prudent. A commercial general liability insurance policy with product liability can safeguard you from the damage that is associated with any claims that may be filed against you as a result of food poisoning. Speak to a reputable insurance company to discuss the coverage options that are available to you and how to find out how you can best protect your business from devastating impact of food borne illness claims. Doing so is certainly in your best interest.