”Restaurant Contamination

OMNIRISKCoverage for North America

Strategy needs Strategy

Product contamination events causing sickness to customers in the food service sector continue to make global news. With increasingly complex and widespread supply chains combined with evolving regulations restaurant businesses have never been at greater risk.

Multi-location outbreaks have increased sharply in recent years partly due to better detection but also due to food industry consolidation leading to companies shipping potentially contaminated food service ingredients to wider networks of restaurant locations. As the bar rises on food safety standards restaurant companies need to be prepared to protect against the risk of reputation and financial damage.

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Contact

Joseph Barrantes
CEO, OMNIRISK Risk Management & Insurance Consulting
Email | Phone

Coverage

Risk transfer – foodborne illness
The standard policy provides for accidental contamination (foodborne illness), supplier contamination, public health authority announcement, malicious tampering, adverse publicity, workplace violence, and product extortion covering the following losses:

  • Pre-incident expenses
  • Business interruption
  • Employee expenses
  • Extortion costs
  • Brand rehabilitation expenses
  • Recall costs
  • Consultant and advisor expenses

 

Response OMNIRISK – Crisis Management & Special Risks
Response OMNIRISK is a dedicated network of crisis consultants providing priority access to policyholders. The network is made up of core consultancies in key global territories and comprises, amongst others, specialists in areas such as food safety, public relations, security, legal and regulatory.

Pre-incident consulting
We dedicate a portion of the premium for consultants to work upfront with our policyholders to provide bespoke services such as:

  • Restaurant food safety audit
  • Facility threat analysis
  • Supplier risk assessment
  • SOP assessment and development
  • Restaurant HACCP plan, training, and audit
  • Crisis Management plan review and assessment
  • Food safety training

 

Crisis response
In the event of an actual or potential incident policyholders have 24/7 priority access to Response OMNIRISK consultants through the policy emergency hotline.
No self-insured retention applies to crisis response and we also cover initial costs even if coverage is initially unclear.

Benefits and Services

  • Coverage applies worldwide
  • Global claims network
  • Risk engineering
  • 24/7 crisis response

Client Profiles

Our client profiles range from some of the largest multinational restaurant chains through to medium and smaller national enterprises including both corporate restaurant chains and larger restaurant franchisee operations.
We can consider all types of restaurants from fast-food chains (i.e. burger, pizza), coffee and bakery stores to high-end sit-down dining restaurants.