Restaurant Recovery

Overview

Restaurant Recovery Insurance (RRI), also known as Foodborne-Illness Business Interruption Insurance, is a standalone solution designed to fill critical gaps left by traditional policies like BOP or general liability coverage.

Whether you operate a single location or manage a national brand, your reputation lives online—across social media, search engines, and even AI platforms. A single incident (or even an allegation) can disrupt operations, impact revenue, and erode customer trust.

RRI provides coverage for financial losses and expenses resulting from actual or alleged events involving foodborne illness, allergens, foreign objects, or unsanitary conditions. It ensures your business has the financial and operational support needed to recover quickly and protect your most valuable asset—your brand.

Target insureds

Restaurant Owners and Operators
Franchisors and Franchisees
Quick Service (QSR) and Fast Casual Restaurants
Casual Dining and Fine Dining Establishments
Coffeehouses, Tea Shops, and Specialty Drink Shops
Ice Cream and Specialty Dessert Shops
Pizzerias, Delis, and Cafés
Food Trucks and Ghost Kitchens

Highlights

Policy limits from $100,000 up to $50,000,000 (higher limits may be available upon request)
Covers both actual incidents and allegations, including adverse publicity tied to a location or brand name
Designed to address business interruption gaps not covered by standard insurance policies
Exclusive access to a 24/7 crisis hotline managed by The Acheson Group (TAG)
Coverage includes TAG’s expert consulting services, with no additional cost to the policyholder
Opportunity to reinvest 10% of your premium into preventative food safety and risk management services
End-to-end crisis support across the supply chain—from farm to fork

Summary of coverage

RRI is built to support restaurants of all sizes—from single locations to large franchise systems—by protecting revenue and helping operators respond effectively to high-impact events.

Coverage applies to incidents such as:

Foodborne illnesses, allergens, and foreign objects
Contagious employees or unsanitary conditions
Supplier contamination or recalls
Adverse publicity, including allegations affecting a location or brand

In addition to financial protection, policyholders gain access to industry-leading crisis response support through The Acheson Group (TAG), providing expert guidance on public health, regulatory communication, and brand reputation management. Meet TAG’s team of experts today.

Financial Losses:

Coverage includes protection for a wide range of expenses and losses, including:

Lost Gross Profit
Supply Chain Disruption, Recall, and Replacement Costs
Public Relations and Brand Rehabilitation Expenses
Crisis Consulting and Health Authority Coordination
Increased Cost of Working

Disclaimer: All policy terms and conditions apply. Information detailed within this marketing material is for promotional use only and does not constitute advice or fact. Any reliance upon such information shall be at your sole risk.

Get in touch

Danielle Bouchard

Senior Vice President, Specialty Underwriting

Jared Leslie

USA - Underwriting Manager

Jessica Bobb

USA - Specialty Claims Manager

Scott La Croix

Canada - Vice President, Head of TMHCC Specialty Canada Operations

Documents & forms

Brochure

Product Information

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Brochure

The Acheson Group (TAG) - Crisis Response Consultants

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Application

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