hospitality insurance programs

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.

Hospitality Insurance Programs Help to Reduce Exposures

Your customers rely on you to give them a nice experience whenever they enter your establishment. Whether you run a restaurant, a bar, or a nightclub they expect to be entertained, and to be provided with a relaxed atmosphere where they can socialize after their work is all done. However, as an owner of one of these establishments, you must be prepared to deal with any number of situations that could turn a nice night out into bad situation.

A kitchen fire, food borne illness, a simple slip and fall on a wet floor can all lead to injuries and perhaps a lawsuit. There are many serious considerations that require you to contact any number of hospitality insurance programs before you open your doors for the first time. The time to get coverage is before you actually need it. This is especially true for an industry stemming with issues resulting from alcohol consumption, which is unique to a small sector of businesses.

Hospitality venues require coverage for several concerns

Insurers often devote an inordinate amount of time studying the legal issues that operators and owners of these types of enterprises have to deal with. They take a sincere interest in determining the inherent exposures that you may face and try to find viable solutions to these risks and exposures.

These are the sort of issues that require insurance agents and brokers who cater to this industry to take an in-depth look, because without a specialized approach to managing hospitality locales, your hospitality insurance coverage could be filled with gaps, and that could potentially leave you underinsured at the worst possible time.

You need to take the time to meet with your agent and thoroughly review every aspect of your business in order to determine the broadness of coverage required. This will certainly help ensure that you are fully covered for any and all occurrences. This will also help to promote the type of relationship and services expected from your broker.

The hospitality industry faces new and growing challenges every day. These challenges must be met head on, and finding solutions to your own unique circumstances will help to complete the process. Most importantly, you’ll need to continue to operate in this competitive industry to the best of your ability, and securing coverage from hospitality insurance programs will help you to accomplish those goals.