Remember the woman who sued McDonald's for serving her a hot beverage? For many, that notorious case is the poster child for frivolous lawsuits. The fact that the woman was subsequently awarded nearly $3 million in damages seems extreme to most people and, no doubt, to McDonald's product liability insurers.
Food-related restaurant claims are unique within the universe of claims, and one must be well-equipped to handle them. Which raises the question: As a claims adjuster, are you sufficiently prepared to handle food claims involving your clients in the restaurant business?
To some, restaurant insurance seems like any other type of coverage and similar to that of most other businesses because it mostly boils down to commercial general liability insurance. However, restaurants have their own unique liability considerations that can range from the mundane to the outright bizarre.
|What kinds of liability do restaurants have?
The answer is in the nature of the business. First, they are open to the general public, which means restaurants have the same kinds of liability exposure as other open areas. Then there is the potential for grease and wood-burning fires from cooking.
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