Products and Completed Operations Hazard Redefined

September 20, 2011

A person goes into a restaurant, consumes and ingests the food, and becomes ill. Is this a premises liability claim or a products claim? Someone advised me there was an exception in products coverage for food establishments for this situation and that it would be a products claim. I have searched the policy and cannot find the exception. Is this exception on an endorsement?

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis