Food Contamination is a generic term used in many of these endorsements. A close inspection of the policy provisions will reveal that the first party coverage (your income, your property) provided for food contamination can differ significantly from one insurance carrier to another. Many policies first party coverage will only respond to claims triggered by a Board of Health action that suspends or closes your restaurant.

Your restaurant’s reputation is its most valuable asset. One of the first steps a restaurant owner should take to preserve its reputation in the event of a suspected or proven food borne illness outbreak is to voluntarily close its doors until the problem can be identified and corrected.

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