JUST WHEN EVERYTHING WAS GOING SO WELL

1
JUST WHEN EVERYTHING WAS GOING SO WELLA FOOD
BORNE ILLNESS ATTRIBUTABLE TO AN EMPLOYEE OR
SUPPLIER SICKENS HUNDREDS OF YOUR PATRONS AND
ENDANGERS ALL THAT YOU HAVE WORKED SO HARD TO
BUILD.
2
IMMEDIATELY YOU ARE UNDER SEIGE

• Adverse Media Exposure
• Long Term Damage to Your Restaurant Name
• Potentially Devastating Financial Impact
• Loss of Market Share
• Serious Damage to Business Community Reputation
• A Possible Business Closure

3
REMEMBER????

• CHI CHIS Beaver Valley, PA
• A product supplier issue that resulted in
  over 650
• cases of Hepatitis.
• FRIENDLYS ICE CREAM Arlington, MA
• Employee caused issue that resulted in over
  1500
• patrons receiving Hepatitis innoculations
• CARRABAS ITALIAN GRILL Lansing, MI
• Over 400 people sickened with Novovirus
• ROYAL CARIBBEAN CRUISE LINES
• Over 200 people sickened with Novovirus
• AND..RECENTLY. THE HUNDREDS OF PEOPLE WHO WERE
  INJURED OR DIED BECAUSE OF E-COLI BACTERIA THAT
  WAS PRESENT IN PREPACKAGED SPINACH? WHAT
  HAPPENED TO THE STORES WHO SOLD THE
  SPINACH..THEIR SUPPLIERS..THE GROWERS ???

THIS IS NOT A NEW PROBLEM ITS NOT GOING TO GO
AWAY
4
COMMERCIAL PROPERTY BUSINESS INTERRUPTION WILL
ACTIVATE FOR A FIRE LOSSBUT NOT FROM A LOSS OF
BUSINESS INCOME FROM A FOOD BORNE PERIL SUCH AS
THE FOLLOWING

• Media Caused Business Interruption
• Profit Loss
• Accidental / Malicious Contamination
• Restoration of Trade Name
• Continuing Expenses
• 24 / 7 Crisis Management

Commercial Property/Liability and Trade Name
Restoration TNR are two separate coverages when
it comes to food borne illness issues.
5
Trade Name Restoration Business Interruption
Coverage Provides Customized Business
Interruption Extra Expense Insurance Unique to
the Hospitality Industry

• SOME SIGNIFICANT FEATURES OF THIS
  PROGRAM
• Easy Application Process
• Replacement of Lost Income
• Continuing Expense coverage
• Business restoration features including
  communications, marketing media support
• Immediate Crisis Management / Incident Response
  Expenses

6
POLICY FEATURES

• Trade Name Trigger Trade Name Impact at any
  covered location
• Coverage for both Accidental Contamination
• Coverage triggered by actual or alleged
  contamination or media announcement
• Gross Earnings Business Interruption loss of
  profits as well as the impact to other expenses
• No waiting period for Incident Response Expenses
  i.e. crisis management expenses, media response,
  loss mitigators
• Business Interruption Waiting Period 7 Days /
  10 reduction of sales then day one/dollar one
  coverage may appear
• Simplified application process with up to 18
  months of restoration no rigorous worksheets
• Broad range of limits available

7
HOW SURE ARE YOU THAT YOUR EMPLOYEES.AND THOSE
OF YOUR SUPPLIERSAT THIS VERY MINUTE..

• Have a clean bill of health prudent
  innoculations consistent with safe food handling?
• Wash their hands properly frequently?
• Have good food preparation or handling practices?
• Properly refrigerate foods such as eggs and
  cheese as well as others?
• DO NOT NOW have Hepatitis A, Novovirus, Staph
  Infections, E-Coli, Shigella, etc.?

8
ARE YOU STILL COMFORTABLE?

• Its a lot different world in 2009 than it was
  even 5 years ago. One thing however, remains the
  same your employees still handle food and those
  of your suppliers still handle food. If one of
  those employees has a contagious disease or if
  they imprudently handle food, your business will
  be brought to its knees. TNR coverage can help
  you through that situation and the Crisis
  Management Team is here to keep you in business