
Restaurant Recovery
Help cover those losses unique to restaurants.
For Restaurants
QSR, casual dining, fine dining, franchisees, and more
Coverage
Foodborne-illness and business interruption, product recall, reputation management
Policy Limit
$500K or $1M
Crisis Hotline
24/7 exclusive access by The Acheson Group (TAG)
Digital
Offered by Tokio Marine HCC,
powered by Adaptive
50 States
Available in all states
It’s a standalone insurance product offered by Tokio Marine HCC that provides coverage for financial losses, expenses, and reputational harm arising from covered incidents involving foodborne illnesses, foreign objects, or allergens.
How Does It Work?
Policy covers costs like lost gross profit and brand rehab
Foodborne illness or supplier recall affects a restaurant, for example
Restaurant activates its Restaurant Recovery policy...
Including work with dedicated crisis management team
TAG assists with corrective actions and brand protection
Claims team verifies losses and issues payment
What’s Included
Choose $500,000 or $1,000,000
Quote and bind through Adaptive’s platform in less than five minutes
Foodborne illness, allergens, foreign objects, and supplier contaminations
Reimbursement for lost gross profit during closure or reduced operations
Public relations and marketing to restore reputation after an incident
24/7 hotline with food safety and public health experts from The Acheson Group (TAG)
Supply chain, recall, and lost inventory replacement
How Are Claims Handled?
Beloved upscale casual restaurant chain with multiple locations.*
One bad stretch cost them $650,000 in lost revenue and expenses.
It only took one contagious employee showing up to work which triggered a foodborne illness incident at a popular, high-traffic restaurant, resulting in crisis response costs, reputational recovery efforts, and estimated losses exceeding $2 million.
A public health advisory affecting thousands of potentially exposed guests drew broad media attention, while reports of secondary transmission at a nearby country club amplified the negative social media coverage.
Although the restaurant reopened quickly after cleaning, health department inspections, and corrective actions, it continued to face customer concerns and reduced traffic.
Crisis response efforts included coordination with local health authorities, public relations support, sanitation measures, and brand recovery initiatives.

