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Shigella, Hepatitis A, E-Coli, Salmonella
Just when everything was going so well ...
your business experiences a loss of income from a food borne illness interruption, from either a supplier or employee source. While you may be looking at your suppliers, the health department is looking at your employees.
Even the best restaurants can suddenly be trapped in an infectious health situation or media event due to a food borne illness that ends up totally out of control. Our experience shows even locations with the same trade name in the same general area may be affected by closures or announcement causing:
- Long term damage to your restaurant name
- Adverse media exposure
- Potentially devastating financial impact
- Loss of market share
- A possible loss of your business
- Serious damage to business and community reputation
General Liability does not
address the business
interruption or lost income
impact of a food borne
illness event.
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| |
Contingent Business Interruption (TNR) |
General Liability |
| Media Caused - BI (food borne illness) |
yes |
no |
| Profit Loss |
yes |
no |
| Accidental/Malicious Contamination |
yes |
no |
| Trade Name Rehabilitation |
yes |
no |
| Continuing Expenses |
yes |
no |
| 24/7 Crisis Management |
yes |
no |
| Injury Costs |
no |
yes |
| Defense Costs |
no |
yes |
| Judgments |
no |
yes |
|
General Liability and
Contingent Business
Interruption are two
separate policies when it
comes to food borne
illness |
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