Restaurant Owners Could Face a Host of New Liabilities as a Result of the Covid-19 Pandemic

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…