Food-Borne Illness Liability

Food-Borne Illness Liability

Food-borne illness liability is designed to help restaurants, caterers, and other similar businesses account for commercial exposures related to contamination. For these businesses, an outbreak of food-borne illness is a worst-case scenario for both their reputation and bottom line. Illnesses can be caused by bacteria, pests, chemicals, and any number of other contaminants that can affect foods and beverages during any stage of preparation or distribution and through nearly any method of packing or storage. Unfortunately, safe practices and cleanliness are often not enough to eliminate the risk of illness. That’s why it’s critical for food businesses to protect themselves with an insurance policy that accounts for the cleanup, restaurant recovery, and other expenses. Request a free quote through the LaunchPad quote system, and we’ll help you find your best match in a food-borne illness liability provider to get the right coverage at a price that matches your budget.

What does food-borne illness liability cover?

FBIL covers situations where contamination or alleged contamination leads to negative publicity, illness, or injury. Those situations may include:

• Accidental contamination through mishandling or issues that arise during storage
• Contamination occurring at the supplier or vendor level
• Actual or fabricated reports of contamination
• Malicious tampering by an employee or other party

Protected costs can include:

• Bodily injury claims and medical expenses
• Legal costs including court fees, defense costs, and any judgments issued
• Recall, removal, disposal, and other cleanup costs
• Image rehabilitation and restaurant recovery
• Consulting and advisory fees
• Additional expenses like overtime for employees

Food-borne illness liability can also be supplemented with business interruption insurance that will help recover income lost during an unexpected closure. The complexity of food-borne illness insurance along with its critical role in food business protection and recovery means it’s important to speak to a qualified professional when building a policy. Complete our quote request form today, and we’ll get you on your way to a free consultation and the secure coverage you need.