Food has a way of bringing people together. However, your food safety practices may not run smoothly and a foodborne illness could sicken or even kill your customers. Every restaurant owner needs to include restaurant insurance to their risk management strategy.
Imagine— you’re serving Caesar salad to a family and your guests fall ill after they eat it, and then sue you for thousands of dollars. This is exactly what transpired at one popular Georgia restaurant.
The LoPresti Family Case
Restaurant insurance may offset the cost and prevent your business from having to deal with the financial burden. Even if you aren't found negligent or at fault for a third-party claim, you could still face thousands of dollars just to defend yourself from a lawsuit. Lawyers alone can charge $100-400 per hour, depending on the area, area of expertise, and years of experience.
How Restaurant Owners Can Avoid Improper Food Safety Practices
Improper food safety practices can not only make or break your business from the resulting bad PR fallout and financial repercussions from lawsuits, but they can cause irreparable harm to your customers, including death.
Did you know the CDC estimates that 128,000 Americans go to the hospital because of a foodborne illness, and nearly 3,000 die yearly?
The top health code violations in restaurants are:
Restaurant Insurance Can Help With Third-Party Liability Claims
One of the most important risk-prevention tools every restaurant business owner should have is restaurant insurance. Since you prepare food for a large number of customers on any given day, you don’t want to put your business at risk if something does go wrong. If someone gets sick or dies from the food you serve, you may be on the hook for a lawsuit and medical bills. Furthermore, food poisoning claims can wreck your restaurant’s reputation.
Insurance Canopy can also protect your restaurant business with additional coverage options depending upon your specific business needs. We can customize an insurance policy that includes liquor liability, commercial auto, excess liability insurance, and more.
For more information or to get an insurance quote, please
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As a restaurant owner, you have the opportunity to serve your food for special occasions such as family gatherings, date nights, birthdays, casual evenings, and so much more. With a costly legal battle and a mountain of bills with your name on them, the nightmare may close your doors for good. However, with the help of insurance, you can offset the legal costs and focus on rebuilding your reputation. Don’t get caught without restaurant insurance.
*All insurance policies have conditions, limitations, and exclusions. Please refer to the policy for exact coverages.