Remember the woman who sued McDonald's for servingher a hot beverage? For many, that notorious case is the posterchild for frivolous lawsuits. The fact that the woman wassubsequently awarded nearly $3 million in damages seems extreme tomost people and, no doubt, to McDonald's product liabilityinsurers.
Food-related restaurant claims are unique within the universe ofclaims, and one must be well-equipped to handle them. Which raisesthe question: As a claims adjuster, are you sufficiently preparedto handle food claims involving your clients in the restaurantbusiness?
To some, restaurant insurance seems like any other type ofcoverage and similar to that of most other businesses because itmostly boils down to commercial general liability insurance.However, restaurants have their own unique liability considerationsthat can range from the mundane to the outright bizarre.
What kinds of liability do restaurantshave?
The answer is in the nature of the business. First, they areopen to the general public, which means restaurants have the samekinds of liability exposure as other open areas. Then there is thepotential for grease and wood-burning fires from cooking.
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