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Protect your food service business with restaurant insurance for food poisoning including quotes, cost and coverage. Claims resulting from food poisoning or allergic reactions are covered under products liability.

Restaurant Insurance For Food Poisoning

Of the many financial risks restaurant owners can face, food poisoning claims are among the largest. It doesn’t matter where contamination occurs in the food supply chain, if someone becomes infected with a food borne illness after eating something at your restaurant, you could be held legally liable.
Should that happen, you could end up being caught in the crosshairs of aggressive legal action, regardless of where the contamination occurred.
If a customer files a food poisoning claim against your restaurant, the repercussions could be devastating. In addition to being responsible costs associated with legal fees and medical costs, the reputation of your establishment could be tarnished, which could lead to even more financial loss. In the worst case scenario, your restaurant could end up paying the ultimate price: getting shut down.

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

Commercial general liability insurance is an insurance policy that provides business owners with coverage against any claims that are associated with property damage, personal injury, and bodily injury. The damage or injuries are the result of the operations of a business, the products a business offers, or anything that occurs on the premises of a business.
General liability insurance with product liability is a comprehensive policy for business owners, as it covers a wide range of things – including food borne illnesses. A standard restaurant insurance for food poisoning policy guarantees that the company providing the insurance will protect the policyholder from any claims third parties make that involve property damage and bodily injury. The majority of policies broadly define bodily injury, meaning that they will cover any claims regarding illnesses, diseases, or even death. As such, food poisoning claims that are the result of contaminated products fall under the coverage that a standard policy will cover.

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.
Some homeowners have a very comprehensive homeowner’s insurance policy. If you run your company out of your home, you may think this level of insurance is sufficient. Unfortunately, if you continue to run a business or commercial operation out of your home without informing your insurer, you risk being cut off from your plan altogether. This is one area where you really need to pay attention to the difference between business insurance vs personal insurance.

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.

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