Do Gourmet Food Retailers Need Product Liablity Insurance?

In 2012, the U.S. Centers for Disease Control and Prevention (CDC) estimated 48 million instances of foodborne illnesses occur each year resulting in 128,000 hospitalizations and 3,000 deaths making it especially important for the specialty food shops to carry product liability insurance.

Let’s say you own a cupcake business and a customer becomes ill after eating a contaminated Red Velvet cupcake you sold them and they end up in the hospital. Their medical costs will be covered by product liability. Product liability coverage is typically bundled together under a general liability insurance package.

What Does General Liability Insurance Cover?

General LiabilityGeneral liability includes three areas of coverage: product liability, premises liability and completed operations. If a customer becomes ill from eating contaminated produce you sold them, the medical costs are covered by product liability. If another customer trips and falls in your store, the costs are covered by premises liability. Completed operations is for any services you provide, such as baking a custom-made cake. For more information about about product liability and premises liability contact the law offices of Wolf and Pravato

Things to Consider When Shopping For General Liability Insurance

Premium based on estimated gross sales. Your premium is based on your estimation of annual sales. At the end of the year your insurance carrier will ask for the actual sales amount and adjust the premium through a credit or debit.

If you directly import goods your choices may be limited. Some insurance carriers are uncomfortable with direct importation of goods with no third party in the middle because of diminished ability to recover payments it makes on your behalf when the producer of your goods is not a US based company.

Understand the Territory. Liability policies have a coverage territory. You will find business outside the US (including territories & possessions), Puerto Rico and Canada to be more limited because not every legal system views a suit the same. Basically, liability outside the covered territory is not something to rely on.

Other Types of Gourmet Food Store Insurance

Every specialty food retailer should understand the different types of insurance available to make sure they are fully protected from certain risks.

  • Spoilage Coverage – Covers the cost of food contained in your refrigeration or freezer if you lose power or something causes your units to stop working.
  • Food Contamination Coverage – Covers the cost of food contaminated by parasites or other conditions.
  • Business Auto -Commercial insurance policy for vehicles used for business purposes.
  • Business Property – Covers damage caused by unexpected events like fire, flood, natural disasters or severe weather conditions to your gourmet food store and the contents within it.
  • Cyber Liability Insurance – Protects you from customers paying online with stolen credit cards or a computer virus that harms you or your customers.
  • Workers’ Compensation – Covers employees’ work-related injuries and accidents.
  • Crime Insurance –Covers you from theft – both random and employee-related.

In order to fully protect your specialty food store, you should consider a variety of insurance policies. But at the minimum you should have product liability coverage. It’s a ‘must have’ for specialty food and beverage businesses. If your company needs legal guidance during a premises liability case get a free case evaluation from the accident attorneys in Fort Lauderdale.



Enjoying Sweets on a Diet

sweetsAlmost everybody enjoys the occasional treat of chocolate or candy. Even though we know it’s not particularly good for us, we just can’t resist eating it. The thing is, if you are trying to lose weight or on a diet of any sort then eating these tasty treats might be forbidden.

While everyone thinks of candy as a naughty but nice treat, it really doesn’t have to be. There are actually a wide range of different sweets and chocolate available for any market. Whether you want to eat sweets without gluten or sugar, or whether you want natural sweets there is something for you.

Health Foods
The Health food industry is booming and is worth billions of dollars each year. We are all becoming much more aware of our health and the impact it can have on our quality of life. While most health foods are confined to nuts and seeds, it is possible to find healthy ‘diet’ sweets if you look hard enough.

Artificial Additives
Many sweets contain artificial sweeteners and colorings. This is to provide the sweetness without the sugar, and to make the sweets brightly colored. However, artificial additives are frowned upon by many shoppers who would prefer to buy something much more natural.

Some parents believe that artificial flavorings and sweeteners can cause hyperactive behavior in children. This belief has been backed up by some scientific study.

So it seems as if avoiding these artificial ingredients will be beneficial. There are a number of brands which have gone back to basics. They use colors derived from natural ingredients, and natural sweeteners.

Genetically Modified
There have been many stories in the papers and on TV about genetically modified crops. We are told that this is the future of farming and providing enough food for the ever expanding population.

The thing is that people don’t like their food being tampered with. There are ranges of sweets and chocolates which contain only non-GM ingredients.

With more and more Americans going on diets, eating sweets is difficult to do. If you have an allergy and have to eat a specific diet, then finding confectionery to suit this diet can be difficult.

Nut allergies might be the most common, but few manufacturers are willing to guarantee that there aren’t any nuts in their products. Most contain a warning “May Contain Nuts”, which is not reassuring to anyone with an allergy. There are recently a few brands which do offer more reassurances to allergy sufferers.

Treating your Body as a Temple
Most people are learning to treat their bodies better. The better quality fuel you feed yourself on, the more you can expect to get out of your body. It’s not uncommon to see people actually reading ingredients labels to find out exactly what is in the food they are considering buying. This is because parents are becoming more aware of the link between certain foods and allergies.

This can make it difficult to reward your kids with treats. However, by using natural sweets and chocolate bars this is still a possibility.

Healthy consumers are redefining snack time

Consumers today are looking for more healthy snacks, unlike the sugar laden, high calories ones that we used to eat!
Snacks that are eaten around the main meal are expected to keep growing in popularity by at least 5% by 2018. This is equivalent to around 86 billion snacks produced and eaten thanks to new research from the NPD Group.

The highest growth snacks that are better for you include energy bars, yogurts and fruit as these are more convenient to eat between meals. Generation Z and Generation X along with Millennials, are producing a lot of growth in the healthy snack foods. These groups wants you to eat more healthfully and want traditional snacks to be a thing of the past.

We tend to snack much more than we realize as it is very easy to just grab a bar of chocolate if we are hungry instead of trying something healthier. We now need to get into the mindset of trying something new every week that is more healthier. Try to look at the ingredient on the packet next time you snack and you will see that this little snack is full of fat, sugar and salt, and over time this can lead to some seriously bad health problems such as strokes, heart attacks and type 2 diabetes.

A good tip is not keeping any unhealthy snacks in your home as then you won’t be tempted. When you go out shopping then walk past the unhealthy snack section and try some delicious fruit instead. Always try to stick to 3 meals a day as then you won’t want to snack so much as you should stay fuller for longer.

If you should feel peckish then why not try drinking a glass of mineral water instead, as sometimes thirst can be mistaken for hunger. If you still feel peckish then why not try some pieces of melon, strawberries, bananas or grapes instead of a sugary treat. You can buy these in most supermarkets already prepared in a little carton.

You could try some Pitta bread with some low fat dips. You can also try out some rice cakes spread with low fat cream cheese. Dried pineapple pieces, raisins or cranberries are another good snack and taste really good. Just try to remember that a handful of dried fruit is the right amount to eat, no more! If you want to redefine your snack time then all you have to do is to try a new fruit or snack each week!