Does Restaurant Insurance Cover Spoiled Food?

Insurance for food spoilage depends on the coverage in your restaurant insurance policy. Food spoilage can be added two different ways. In a recent review with a restaurant owner we confirmed food spoilage coverage in the amount of $30,000 added as an specific endorsement to the policy. The additional cost was about $500.00 per year. We received a call about a claim and inquiry about food spoilage and were able to advise a client he has $10,000 coverage as provided by the Restaurant Plus endorsement added to his policy. A “Plus” endorsement is the easiest way to add coverage for spoilage but it may only offer a limit that is high enough to cover all of the food you may lose. Whether you add a specific endorsement or get food spoilage insurance through a Plus endorsement it’s important.

One of our agency’s favorite take-out restaurants is ChaiYo Thai Togo. They really have a passion for their Thai food and we promise it’s the best Thai take out in Salt Lake. Recently a car hit the power pole that provides power to their restaurant causing them to lose power for two days which resulted in a loss of the food in their refrigerator. Through the Restaurant Plus Insurance endorsement we were able to provide $10,000 of coverage.

Who you choose for restaurant insurance matters. For an agent that will pay attention to all the details call Anderson Insurance Group today.

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Are you ready to save time, aggravation, and money? The team at Anderson Insurance Group is here and ready to make the process as painless as possible. We look forward to meeting you!

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