Slips, trips, and falls by patrons and others are the most prevalent claims experienced by full-service restaurants, according to Restaurant Insurance Corp., of Greenwood Village, Colo. The analysis of claims filed by the company's insured restaurants since 2002 showed that each such claim resulted in $3,550 in claim costs. Almost 51 percent of workers' compensation claims were the result of two causes: slips, trips, and falls and cuts or puncture wounds.
The second biggest cause of general liability claims was biting into or swallowing foreign substances, with 765 such claims out of a total of 2,332. Among property claims, the most costly were for fire losses, accounting for $5.3 million. The most frequently occurring losses were for equipment or electrical breakdown claims, while the second most prevalent claims were for wind, hail, or water damage.
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