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Foodborne illness coverage. Many restaurant owners falsely believe that their general liability or standard business interruption insurance will cover foodborne illness events. (Photo: Shutterstock)

For decades, independent restaurants including diners, food trucks, cafes and many others that sell prepared, non-packaged food, have been underserved by the insurance industry when it comes to their legal and financial exposures regarding foodborne illness events. I’ve seen great restaurants fold because they were not prepared to deal with the public and legal consequences of an outbreak.

Unfortunately, many restaurant owners falsely believe that their general liability or standard business interruption insurance covers these types of events since they cover injuries or maintenance on the premises. In reality, these restaurant policies do not cover the full scope of needs that arise from foodborne illness outbreaks. It is estimated that 90% of restaurants do not have the appropriate coverage to address an exposure that could cripple their business.

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