HURRICANE IAN NOTICE: To file a claim, please contact your carrier’s Claims Department directly. Please click here for a list of our carriers’ phone numbers.

Call Us 866-998-6155 ☰ ˟
calendar
File A ClaimRisk & Safety Advisors 866-998-6155
  • HOME
  • GET A QUOTE
    • HomeownersImage of right arrow
      • Homeowners Quote
      • Condo Unit Owners Quote
      • Renters Insurance Quote
      • Manufactured Home Quote
      • Mobile Home Quote
      • Builders Risk Quote
      • Vacant Property Quote
    • Automobile
    • Equine & Farm
    • Motorcycle
    • Trailer Insurance
    • Flood
    • Umbrella
    • Personal Watercraft & BoatImage of right arrow
      • Boat Quote
      • Yacht Quote
      • Jet Ski Quote
    • Golf Cart
    • RV's & MotorhomeImage of right arrow
      • Motorhome Quote
      • Travel Trailer Quote
      • ATV Quote
    • Condo Owners
    • Renters
    • Manufactured & Mobile Homes
    • Business & CommercialImage of right arrow
      • Builders Risk Insurance Quote
      • Commercial Auto Quote
      • Commercial Property Quote
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Workers Compensation Quote
    • Life & AnnuitiesImage of right arrow
      • Individual Life Insurance Quote
      • Mortgage Protection Quote
      • Key Person (Key Man) Quote
      • Disability Insurance Quote
  • FIND AN AGENT
  • JOIN US
  • ABOUT US
    • About Us
    • Our Locations
    • Employee Directory
    • Testimonials
    • Privacy Policy
    • Carriers
  • RESOURCES
    • Refer a Friend
    • Calculators
    • Insurance Glossary
  • Equine
    • Get A Quote
    • Equine & Farm
    • Events
    • Missy Sullivan
  • CONTACT
    • Contact Us
    • Join Our Newsletter
  • RISK & SAFETY ADVISORS
vintage home icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage car icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage boat icon

RV & Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage briefcase icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
vintage horse icon

Equine

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Ask for Food Spoilage Coverage on Restaurant Coverage
WEDNESDAY, JANUARY 12, 2022

Ask for Food Spoilage Coverage on Restaurant Coverage

One of the most important assets in your restaurant is your food. You have to serve it to keep the business open. You have to serve it safely to keep customers happy. So, if the food goes bad, what can you do to protect yourself and others? There is insurance available, called food spoilage coverage. How does it work? 

Make sure your insurance agent include food spoilage coverage in your restaurant’s portfolio. It can help you in more ways than one. Sometimes, it can help in case customers get hurt as a result of your service. 

What is Food Spoilage Coverage? 

You have to meet certain standards to keep food save and edible. Otherwise, you cannot serve it to your diners. Often, you will have to keep certain food refrigerated. After a certain time, or after certain accidents, you have to throw it out. 

So, what happens if the food unexpectedly goes bad? You probably can’t serve it. Yet, because you can’t, that could signal a financial loss to you. With food spoilage insurance, you might have help. 

Spoilage insurance will help you recover costs stemming from unexpected losses of stock. Therefore, you won’t have to shell out extra money to replace food damaged through no fault of your own. That creates a financial cushion to help your restaurant withstand these challenges. 

Perhaps during a snow storm, you cannot open your restaurant. The power also goes out during the blizzard. The extended closure and lack of power means your food cannot stay cold in your refrigerator. It might spoil, and you won’t be able to serve it when you open back up. The snowstorm and power outage was no fault of your own. Your food spoilage insurance might help you pay to replace the food. It can even clean up your refrigerator for smelly messes. 

Coverage for Harm to Others 

Food spoilage insurance might help you in more cases than just replacing your stock. Should that food harm customers or employees, this coverage might help repay them. Let’s say that you don’t realize a spoiled piece of food is unsafe to consume. Therefore, you serve it to your diners without realizing that it might make them sick. Should that person sue the restaurant because of the mistake, the settlements might get costly.  

Food spoilage can even step in during these cases. It might help you make changes in the business to ensure the damage never occurs again. It might also help you repay others for the injuries they suffer. 
Posted 12:54 PM

Tags: restaurant, insurance, liability, coverage
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020

  • insurance(23)
  • coverage(21)
  • commercial(9)
  • policy(7)
  • liability(7)
  • general(5)
  • homeowners(4)
  • business(4)
  • car(4)
  • auto(4)
  • life(3)
  • accident(3)
  • whole(3)
  • terms(3)
  • boat(3)
  • small(3)
  • workers(3)
  • retirement(3)
  • watercraft(3)
  • compensation(3)
  • workers compensation(2)
  • life insurance(2)
  • auto insurance(1)
  • vehicle(1)
  • general liability insurance(1)
  • restaurant(1)
  • atv(1)
  • requirements(1)
  • damage(1)
  • rv insurance(1)
  • powersport(1)
  • liquour(1)
  • workers comp(1)
  • flood(1)
  • homeowners insurance(1)
  • driveway(1)
  • home(1)

View Mobile Version

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Corporate Office

250 Royal Palm Way
Palm Beach, FL 33480

P: 239-274-9200 | Toll-Free: 866-998-6155 | Fx: 239-791-8643
© Copyright. All rights reserved.