What Happens If a Customer Gets Sick From Your Food?
Foodborne illness is one of the most common (and costly) claims restaurants face. Whether it’s undercooked meat or cross-contamination, one bad dish can lead to ER visits, lawsuits, and health department investigations. But the right insurance can help you bounce back.
1. General Liability vs. Product Liability
If a customer gets sick, your general liability policy may cover medical expenses and legal fees. However, product liability (often included in your GL policy) specifically protects against claims related to food you served or sold.
Example: A guest eats a tainted salad and ends up hospitalized. You’re protected—if you’re properly insured.
2. Food Contamination Insurance
This policy goes a step further—covering cleanup, replacement of spoiled food, and even public relations costs to restore your reputation.
3. What About Spoilage From Power Outages?
If your fridge dies during the night and ruins all your perishables, you’ll need equipment breakdown or spoilage coverage—often added to a property or BOP policy.
4. How to Prevent Claims (and Denials)
Keep written temperature logs for freezers and fridges
Train staff on food safety protocols
Install backup power sources
Keep your ServSafe certifications current
Conclusion / CTA
Food-related claims can devastate a restaurant’s finances and reputation. Don’t wait until it’s too late. Talk to Beyond Your Insurance today to build a custom plan that protects your customers, your team, and your livelihood.