Commercial & Residential

Restaurant Recovery

Help cover those losses unique to restaurants.

Get a Quote

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

What is Restaurant Recovery?

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

Policy Limit

Choose $500,000 or $1,000,000

Instant Digital Quoting

Quote and bind through Adaptive’s platform in less than five minutes

Incident Coverage

Foodborne illness, allergens, foreign objects, and supplier contaminations

Lost Revenue Protection

Reimbursement for lost gross profit during closure or reduced operations

Brand Rehabilitation

Public relations and marketing to restore reputation after an incident

Round-the-Clock Crisis Support

24/7 hotline with food safety and public health experts from The Acheson Group (TAG)

Supply Chain Recovery

Supply chain, recall, and lost inventory replacement

Claims

How Are Claims Handled?

First Notice of Loss (FNOL) is handled by a claims email listed in the policy
Policy gets triggered by a covered primary policy insured event
Typical resolution is less than 60 days, unless longer indemnity period is necessary
Work with a dedicated crisis management team on brand rehabilitation

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.

$500K-$750K in lost gross profit
Crisis experts connected within hours
Full capacity restored

Real World Examples

Well known QSR franchised trade name

Supplier-provided seasoned ground beef contaminated with metal shavings affecting multiple restaurant locations
Policy coverage for replacement costs and lost gross profit

Popular Restaurant and Tavern

Restaurant closed for 6 days from 100+ complaints of foodborne illness
Policy coverage for cleaning costs, crisis consulting costs, and lost gross profit

Regional Pizza Chain with 
60+ Locations

State health department involved in foodborne illness outbreak, closing one location for 3 days
Policy coverage for public relations, crisis consulting costs, increased labor costs, and lost gross profit
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