An article featured on the restaurant industry website plateonline.com interviewed owners to find out how they are adjusting to sit down dining prohibitions in their establishments during coronavirus social distancing guidelines. Of considerable import to their operations, restaurant insurance policies have to be taken into consideration even when food preparation is destined for a takeout/delivery-only model.
To help instruct owners, the article’s author interviewed Paul Byrne, Schaefer Enterprises partner, to discuss the insurance implications of food delivery during times when a highly contagious virus could be transmitted to or from delivery workers.
Safe restaurant operations during the coronavirus pandemic
According to Byrne, it’s important for restaurant owners to know what their insurance covers because not all companies and policies are the same. While it’s possible existing general liability, disability and worker compensation policies will cover delivery, some brokerages will decline to offer quotes to restaurants that provide in-house delivery. “It’s a scary time for both owners and employees, especially when contemplating increased risks surrounding your daily job responsibilities,” Byrne said.
One option that many restaurants are presently taking advantage of is to contract with a third-party delivery service, such as GrubHub or Postmates. The article goes on to explain some of the options and competing services that are available to owners, and compares which ones are offering fee waivers or subscription waivers to make the transition to delivery smoother for restaurant owners.
Is your restaurant properly insured? Ask Schaefer Enterprises to review your restaurant insurance policies and be sure.
When governors around the country ordered businesses to shut down due to coronavirus social distancing, restaurant owners were left with a difficult choice to either adjust to a takeout/delivery-only model or to try and ride out the shelter-in-place orders by simply closing down.
Either way, if you’re at that crossroads it’s a good idea to know where you stand with regard to your insurance coverage. SEI provides insurance coverage for the entire spectrum of food and beverage service establishments, from fine dining to fast casual, food manufacturing and food trucks. Depending on your current policies, we can put together a menu of coverages that will protect your interests at every turn, from general liability, property and worker’s compensation, to disability, as well as employment practices liability insurance and cyber liability insurance.
Looking for New York restaurant insurance advice?
Contact Schaefer Enterprises to discuss your restaurant insurance needs at 877.237.2481.
