Restaurant Owners Could Face a Host of New Liabilities as a Result of the Covid-19 Pandemic | Modern Restaurant Management | The Business of Eating & Restaurant Management News

Even as thousands of restaurant owners deal with the business disruptions caused by Covid-19 and the subsequent business interruption claims being filed with their insurers, they now also face a host of new potential exposures for which there are no easy, clear-cut answers.

The bottom line is that, while the industry is currently dealing with a high volume of business interruption claims, restaurant owners and their insurance agents need to also think about the claims we haven’t seen yet. Over the next 12-24 months, we expect the industry will feel the true legal implications of COVID-19 — with worker’s compensation, employment practices and even liquor liability claims leading at the forefront of the next wave of exposures.

Worker’s CompensationWorkers compensation claims are a key area of concern going forward. Restaurant owners have employees working that are essential to their businesses. Workers compensation claims, as they always have, will rely on one essential…

Crystal Jacobs

Crystal Jacobs is the Restaurant Guard Vice President and Program Director at U.S. Risk. Restaurant Guard Insurance is an innovative provider of comprehensive and customized insurance solutions to the restaurant industry that include contamination coverage for food-borne illness and a range of options for professional, management and staff liability — even losses caused by terrorism or terroristic threats. Headquartered in Dallas, Texas, Restaurant Guard Insurance is a division of the U.S. Risk Insurance Group, a specialty lines underwriting manager and wholesale broker with 16 domestic and international branches.

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Crystal Jacobs