Trade Name Restoration
Business Interruption for
Food Borne Illness Outbreaks

 

Most restaurants are insured for customer injuries or lawsuits, but they have a unique “Revenue Loss” Exposure due to Food Borne Illness Outbreaks.

Why? Revenue is the lifeblood of the restaurant business … It is unimaginable that customers will simply stop coming. Profits may plummet, customers may stop coming in the door but all the day-to-day expenses continue. How do they pay for those expenses if their revenue has dropped!!!?

So… In the absence of physical damage – standard Commercial Insurance Policies may not help. That is why restaurants need the Business Interruption for Food Borne Illness Outbreaks Coverage (Trade Name Restoration ®) today.

Plus… When the confusion of an outbreak happens, restaurants get immediate help from a consistent crisis management team to assist with the Media, Health Department, Disease Information, Customer Interaction, Employees, etc.

If you never hear about our restaurant … Our crisis team has done their job.

 

General Liability does not address the business interruption or lost income impact of a food borne illness event.

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

Traditionally General Liability and Contingent Business Interruption are two separate policies when it comes to food borne illness