A health department closure is a cost general liability does not touch.
Food contamination cover pays for destroyed stock, the deep clean, lost income and staff testing when a health authority closes you or an outbreak is traced to your kitchen.
Tell us the situation.
A licensed human replies the same business day — not an auto-responder, and not five producers calling at once. We shop it across our carriers and tell you if the policy you already have is the right one.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What food contamination businesses actually need.
Stock destruction
Food condemned or discarded after a contamination event.
Without it — The entire kitchen’s stock is destroyed at your cost.
Cleaning and testing
The deep clean and staff medical testing a reopening usually requires.
Without it — You cannot reopen until it is done, and it is not cheap.
Lost income and reputation costs
Trading lost during the closure, and sometimes the PR to recover afterwards.
Without it — A publicised closure costs more in the following months than in the closed week.
Where food contamination shows up.
- Restaurant
A health department closure means destroyed stock, a deep clean and a dark dining room, none of which general liability pays for.
What food contamination operators ask us.
Is this not covered by general liability?
General liability covers the claim from the customer who got sick. It does not pay to destroy your stock, clean your kitchen, test your staff or replace the income lost while you are shut — and those are usually the larger numbers. The two coverages answer opposite sides of the same incident.