Most of the time, a case of food poisoning means we won't be getting too far from the bathroom for a while. Uncomfortable, but something we'll recover from.
For a restaurant, it could be mean the end of a business.
I heard an ad on the radio the other day, a Springfield restaurant owner trying to lure customers back after a well-publicized series of health inspection failures.
If you're in the Ozarks, you've probably already heard the ad or the closure, so I won't go into details.
But if you're a restaurant owner, I hope it makes you question, "What if?"
That's the basis of my job as an insurance agent — asking "What if?" then finding a way to plan for it before it happens.
So, What if my restaurant had to shut down because of food poisoning?
Food contamination shutdown and food-borne illness business interruption are two of the coverages that you can include with your Restaurant Business Owners Package with Farmers.
Similar to business income insurance, these two coverages can pay for the loss of income if the health department shuts down your restaurant because of an actual or suspected contamination.
It can also help pay for loss of income because the health department announces that a case of food poisoning was traced back to your restaurant — or another restaurant with the same name.
Obviously, your best line of defense is keeping an eye on your kitchen staff to make sure nothing happens in the first place. But these are two ways Farmers can help you get back to where you belong.
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