Food borne illness and restaurant coverage

[Rob]

I have a restaurant (pub and grill) that doesn't qualify for a BOP through a standard market (I'm in CA) due to the percentage of alcohol sales. I have received about five different quotes for GL/Liquor/Property (some including A&B) through the E&S market. However, so far they all contain an exclusion in some form for either organic pathogens or communicable diseases. Does anyone know of a market that does not include this exclusion? Obviously there is a concern about claims resulting from alleged food poisoning.

[LadyBroker]

You can buy Food Borne illness coverage separate, and assuming they don't serve unusual foods, it's pretty cheap. Markel offers a policy, off the top of my head.

[Rob]

You can buy Food Borne illness coverage separate, and assuming they don't serve unusual foods, it's pretty cheap. Markel offers a policy, off the top of my head.

I do have one quote with First Mercury and in looking at the exclusions there is not a communicable disease or virus/bacteria exclusion on the GL. They also have a condition that no raw seafood is being served which would lead me to believe that they are providing this coverage. I've ordered the forms so we'll see.

[Rob]

Upon closer examination, some of the quotes I received which have an exclusion for bacteria/virus/organic pathogens stipulate on the endorsement that it doesn't apply to products for consumption.

[Hanley]

For the food borne illness and loss of income coverage you are looking for go to the PLISINC.com website. They have offered this coverage through Lloyd's for several years on a stand alone program and insure big and small food service operations.