Food Insurance

Food Borne Illness and the Hospitality Insurance Company

Those operating in the hospitality industry realize the positive effects that a well-prepared meal at a restaurant can have on guests, allowing them to enjoy the company of family and friends while experimenting with exciting new cuisines. Therefore they have an added responsibility to ensure the food is prepared properly and safely.

A food borne disease is entirely preventable by adhering to general safety practices in the preparation of meals. Annually, as many as 48 million people get sick every year from tainted foods, with up to 3,000 deaths occurring. It’s important to know that the symptoms are often flu-like and can happen minutes or even weeks after the food has been ingested, which is why obtaining restaurant coverage from a hospitality insurance company is so vital to the business and the care of anyone affected.

Food borne diseases are a major concern

It’s important to know common food borne illnesses because being informed is often the best way to reduce the chances of someone becoming sick due to ingesting a meal at your locale. This type of illness must be taken quite seriously to ensure the best treatment possible is given in a timely manner. Proper preparation is vital, regardless of whether these mistakes were made in the kitchen or they originated at the source of the food.

There are different types of diseases associated with contaminated foods. Salmonella can be present in food without affecting the appearance, smell or taste of the food. Symptoms of salmonella range from diarrhea, fever, and cramps, though most people tend to recover within 8 to 72 hours, even without a doctor’s intervention.

  1. Coli, another common concern, affects people who have consumed food or water that has been contaminated by microscopic traces of cow feces. One of the most common and severe instances of food poisoning, complications of which can cause severe bleeding and kidney failure, it can be prevented by the proper cooking and handling of food.

Campylobacter can be spread by having the raw juices of uncooked chicken drip from the poultry onto other food and can be left behind on preparation surfaces after the raw chicken has been removed. For this reason, proper cooking and handling of raw chicken is vitally important to maintaining physical health.

As the owner it should be your primary concern to ensure the safety of the people eating there, as well as the safety of your employees. Working with a hospitality insurance company can help to make certain that you have the right policy to address any food contamination issues that arise.

Grocer Store Insurance and Commonly Experienced Hazards

As a grocery store owner you’re likely to see some type of accident occurring on a daily basis. This is because food items are often stacked high on shelves and this can lead to items falling with the possibility of injuring an employee or a patron. While employees are covered under workers comp insurance you’re going to need Grocer store insurance that deals with injuries to customers as well as other liability concerns.

Common causes of injury to customers aren’t limited to items falling from up on high shelves, and includes slipping on wet floors or having run-ins with carts and other people while shopping. The list of possible hazards, while not too extreme in numbers, should be examined, with safety instructions on stacking and immediate clean up of spills duly enforced. One serious injury could be quite costly, which further illustrates the need for having the right coverage in place, but educating employees is equally important in order to promote proper safety at all times.

Head and body injuries from falling objects can also be serious, especially those involving older patrons, including retail displays, items that are difficult to reach, and other shopping-related mishaps. Shopping cart injuries are often due to ramming carts together (sometimes hands suffer injury as a result of this) or due to a cart tipping over onto its side.

Overcrowding is another source of concern when too many people crowd into a particular section of the store, which may result in trampling, or other serious injuries, and even outside of the store in the parking lot injuries can result from cracks in the pavement or insufficient lighting at night, which can result in injuries from a slew of different incidents.

Failing to fix or restore lighting, uneven pavement, and not being diligent about ensuring that displays do not pose a threat of physical harm puts you at risk for a possible lawsuit. Having a Grocer store insurance policy provides you with coverage for when accidents happen, as they eventually will at some point in time.

Contamination Issues and CT Food Insurance

Risk management solutions are necessary for the survival of those in the beverage and food manufacturing industry, primarily because pathogens can be spread from food or unwashed hands to prep areas, equipment, utensils, or other food. Once contaminated foods are presented to an unsuspecting public, lawsuits and damaged reputations can put a business on the verge of bankruptcy.


Fortunately, CT food insurance offers much needed protection, but there are also rules and procedures that can be implemented to prevent this from ever happening. Using these four vitally important tips for preventing cross-contamination in every food manufacturing business or operation can save a company from terrible misfortune:


1. Implement a good personal hygiene program

In order to keep food handlers from contaminating food the business needs to have a good personal hygiene program in place. That program should include polices addressing critical hand practices like proper hand washing, hand care, and the use of correct gloves when handling food products.


Staff cleanliness and work attire should focus on personal hygiene, like bathing, wearing clean clothing, the proper use of hair restraints (hair-ties, hair nets), and the removal of unnecessary jewelry. Policies should be in place to make sure food handlers come to work in good health. These will address actions like reporting illnesses, covering wounds, and avoiding unsanitary habits.


2. Post signs to remind employees to wash their hands

Post signs in restrooms to remind employees not to return to work without washing their hands, and also to clean their hands after handling raw meat, seafood, and poultry. After employees have washed their hands, implore them to use a single-use paper towel or hand dryer. Using a paper towel to avoid contact with faucet and door handles also helps minimize the spread of any harmful viruses or bacteria.


3. Use of separate equipment and utensils

Different types and categories of food should be prepped and handled with a separate piece of equipment. For example, use one set of cutting boards, utensils, and containers for raw poultry, and use a different set for raw meat, and a third set for produce products.


4. Clean and sanitize all work surfaces

Clean and sanitize all work surfaces, equipment, and utensils after each task in order to get rid of pathogens that may contaminate food.


Doing these simple chores can prevent bacteria from spreading and maintain a higher standard of health and cleanliness. CT food insurance for food contamination will aid owners when a problem arises. Speak to an agent about any needs today.

photo credit: Chiot’s Run cc