Reimburses the business for the cost of the food that spoils, loss of income from the loss of food sales, medical tests and vaccinations for employees in the case of a contamination situation, and sometimes even advertising costs to improve your business’ reputation following a food spoilage or contamination issue.

Examples of claims can be found every day in the media. Restaurants small and large, single ownership and large franchises, are all at risk for food spoilage and contamination claims. Whether your food was damaged due to a loss of power, or it came to your establishment already contaminated, or your least favorite employee brought his or her stomach flu to work, this type of loss can happen to any bar or restaurant.

Remember, don’t be fooled into thinking if you also carry Equipment breakdown coverage for your refrigerators and freezers, that coverage can replace the equipment that breaks down but does not provide coverage for the food inside the equipment. You still need food spoilage and contamination coverage to be properly protected.