Posted by Robert Cooper on Aug 10 2015
Own a Restaurant or Cafe? Check out this Caloundra venue where they were fined more than $18,000 for breaches of the local Food Safety laws. By not spending a little bit more time and money to make sure your kitchens are nice and clean, you can instead pay whopping big fines to the Council and damage the name of your brand so disgusted people will spread the word and never come to your Restaurant and Cafe again. And if you do manage to avoid the council inspection and instead poison your customers with Salmonella or other bacteria, you may have your Products Liability cover to protect you. Or will you!
Check the Conditions of cover for clauses such as “reasonable precautions” or “abiding by local statutory regulations” as requirements to have a claim accepted or you could be paying out of your own pocket..
Then if you do have a Products Liability claim paid, the insurer may decide not to insure you in the future, and this has to be declared to every insurer, who may also think you are too much of a risk to accept. Or if you do find an insurer that will cover you, be prepared for huge premiums which will just add even more to the cost of running your business.
Tough? Not really. Everyone deserves to be safe. Everyone wants to trust each other to do the right thing. Everyone wants to make money.
Do it by good housekeeping and staying hygenically clean.