Food Contamination and Fine Dining Insurance in Texas

Anyone working in the food industry knows that it’s all about the quality of food, the service and the experience being offered that keeps patrons returning time and again to any fine-dining establishment. But there are always concerns as to just how well the evening may go.

Every day is a different challenge, and there are so many exposures that the manager and staff face — from slips and falls on the premises, to fire and other incidents that can cause property damage, to supply chain issues and business interruption risks, to food contamination, data breaches and reputational damage, all of which can potentially close down a restaurant.

While all can be equally troubling, food contamination is perhaps the most serious concern. Fine dining insurance in Texas can aid those businesses with concerns regarding the high risk of food borne illness, according to Sarah Klein, senior staff attorney of the Center for Science in the Public Interest (CSPI), who also says the organization felt the significant number of outbreaks from restaurants was important for consumers to know.

“It has been clear to us for some time that restaurants do pose an unusually high risk of food borne illness but this was the first year that we chose to make this a key finding from our outbreak database,” says Klein. “You aren’t just more likely to get sick from a restaurant than at home but you are twice as likely.”

The workers can make a difference, based on experience and professionalism

The first thing an owner wants to have in place is an experienced chef running the kitchen. Having someone who isn’t well trained and doesn’t understand issues with food preparation and food safety could add to the problem. A restaurant that is committed to food safety is one that fully understands the risks involved.

A lot of restaurants think in terms of liability and not the property exposures, so it is important for an insurer to help in assessing exposures and how to best mitigate risks, and also to go over any concerns with the business owner as to what would happen if their restaurant were closed down for a week or more. This involves securing the right fine dining insurance in Texas and implementing sound risk management solutions to stem losses and help improve profitability.


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