CrisisResponse® : A critical companion to any food service business, CrisisResponse is a built-in enhancement that provides immediate claims support and first dollar coverage in
the event of a crisis situation.
– Up to $250,000 for crisis management costs, including medical care, retention of experts to review food safety procedures, coordination with local health departments and psychological counseling for distressed employees.
– An additional $50,000 for public relations expenses, such as coordinating communications with the media and regulatory bodies to preserve a restaurant’s brand and reputation. Policyholders can access an extensive network of pubic relations firms, including experts in food-borne illnesses and leading E. Coli liability consultants.
– An optional product recall enhancement that amends the definition of CrisisResponse costs to include expenses incurred by the recall of an unsafe or contaminated product in connection with a crisis event.
eDelivery® : Our online policy delivery system, makes issued policies and endorsements available to you via a secure Web site within 24 hours of issuance.
Available on eExcess: You can easily quote, bind and issue Prime Express with XSEnhanced: Restaurants on our broker self-service platform, eExcess.
For more information, contact us at geinfo@chartisinsurance.com.
Growth Enterprise Info Center
Prime Express with XSEnhanced® : Restaurants
Prime Express combines our strong commercial excess liability coverage for firms with up to $25M in annual sales with an extensive XSEnhanced: Restaurants coverage, providing a one-step solution to meet the universal casualty insurance needs of the food service industry.
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Features and Benefits
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Products-Completed Operations Hazard (PCOH)
– The products-completed operations hazard is often redefined for all restaurant classes, removing the requirement that bodily injury or property damage take place away from the insured’s premises
– The PCOH definition is automatically customized to also include bodily injury or property damage that takes place on the premises of the insured -
Discrimination
– With high public and consumer interaction, the restaurant industry is a frequent target of discrimination claims
– Definitions are expanded to provide third party discrimination coverage
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Pesticide, Herbicide and Fungicide
– Pest control is a necessary practice for any business handling food
– Definitions are amended so that damage or injury as a result of any pesticide, herbicide or fungicide application is not subject to the pollution exclusions of the commercial umbrella policy -
Fungus, Mold and Bacteria
– In any food service business, the greatest exposure is often food-borne illness
– Exclusions associated with fungus, mold or bacteria do not apply to edible
products meant for consumption; this includes viruses and bacteria, such as E. Coli
or Salmonella, which are found on or within an edible product
Valued-Added Services
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Marketing Material
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