--- title: General Liability Goes Further For Restaurants description: Understanding Product Liability and Minimizing Risk. Ensure your restaurant has proper coverage and follows safety guidelines to mitigate liability risks image: https://blog.concklin.com/hubfs/Imported_Blog_Media/woman-with-healthy-food-at-the-restaurant-2021-12-11-01-47-46-utc.jpg --- [Skip to content](https://blog.concklin.com/blog/general-liability-goes-further-for-restaurants.html#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team**](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** **[630-268-1600](tel:+16302681600)** [![Concklin Logo-1](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- Sep 20, 2022, 12:00:00 AM # General Liability Goes Further For Restaurants ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.concklin.com/blog/general-liability-goes-further-for-restaurants.html) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.concklin.com/blog/general-liability-goes-further-for-restaurants.html) [Twitter icon](https://twitter.com/intent/tweet?url=https://blog.concklin.com/blog/general-liability-goes-further-for-restaurants.html) [envelope icon](mailto:?body=https://blog.concklin.com/blog/general-liability-goes-further-for-restaurants.html) General Liability Goes Further For Restaurants 2:01 When we think about general liability we think of bodily harm or property damage resulting from accidents, such as slip and falls.  However, General Liability goes much further for restaurant owners with product liability – often called Products and Completed Operations Coverage.  The products portion of Products and Completed Operations Coverage refers to “any good or product that your business manufactured, sold, handled, distributed, or disposed of” – for restaurants this translates to drinks and foods either consumed at your restaurant or taken to another location and consumed. If a customer catches a food-borne illness, such as e coli, finds a foreign object in their order, or has an allergic reaction to an ingredient that should not have been in the food or drink, Products Liability coverage will apply to any damages the restaurant is found liable for.  This could be medical bills, legal fees, settlements, etc. While this coverage is included in most general liability policies, in is not always and some policies may not recognize food as a completed “product”.  In this case an endorsement called Product and Completed Operations Hazard Redefined is needed. This ensures that food sold by the restaurant is covered under the products portion of the Products and Completed Operations Coverage. Due to these discrepancies, it is very important for restaurant owners to work with an insurance agent experienced in restaurants and hospitality coverage to ensure there are no gaps in coverage. To minimize the risk of food-borne illness, restaurants should periodically inspect their operations. Concklin Insurance Agency has a [self-inspection checklist](https://share.hsforms.com/1v4v0ngU9QeW47Pktkt9Rqg42gdo) that will help restaurants to perform periodic reviews of their food services operations to assist in recognizing and correcting unsafe activities or conditions before a loss occurs.  This checklist is merely a guidelines, and is neither meant to be exhaustive nor meant to be construed as legal advice.  [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Restaurant and Hospitality](https://blog.concklin.com/tag/restaurant-and-hospitality) ## Related posts [![Graphic of different alcohol bottles](https://blog.concklin.com/hs-fs/hubfs/Imported_Blog_Media/alcohol-3764267.jpg?height=200&name=alcohol-3764267.jpg)](https://blog.concklin.com/blog/ask-an-expert-liquor-liability-insurance.html) [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Business Insurance](https://blog.concklin.com/tag/business-insurance) ## [Ask an Expert – Liquor Liability Insurance](https://blog.concklin.com/blog/ask-an-expert-liquor-liability-insurance.html) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Mar 1, 2019, 12:00:00 AM Liquor Liability Insurance offers coverage against claims of property damage and injuries that are... [Read more](https://blog.concklin.com/blog/ask-an-expert-liquor-liability-insurance.html) [![sign next to on street parking spot that reads "Parking Spaces Reserved for Curbside Food Pickup Only"](https://blog.concklin.com/hs-fs/hubfs/Imported_Blog_Media/Curbside_Pickup-1.jpg?height=200&name=Curbside_Pickup-1.jpg)](https://blog.concklin.com/blog/liquor-liability-and-curbside-pickup.html) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Restaurant and Hospitality](https://blog.concklin.com/tag/restaurant-and-hospitality) ## [Does Offering Curbside Pickup Impact Your Liquor Liability?](https://blog.concklin.com/blog/liquor-liability-and-curbside-pickup.html) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Dec 18, 2020, 12:00:00 AM Serving alcohol, and thus Liquor Liability Insurance, has been a common feature for many... [Read more](https://blog.concklin.com/blog/liquor-liability-and-curbside-pickup.html) [![Woman student sitting by her desk in the dorm room studying](https://blog.concklin.com/hs-fs/hubfs/woman-student-sitting-by-her-desk-in-the-dorm-room-2022-12-16-17-18-32-utc-1.jpeg?height=200&name=woman-student-sitting-by-her-desk-in-the-dorm-room-2022-12-16-17-18-32-utc-1.jpeg)](https://blog.concklin.com/protecting-college-students-understanding-insurance-risks-for-dormitory-and-off-campus-living) [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [Protecting College Students: Understanding Insurance Risks for Dormitory and Off-Campus Living](https://blog.concklin.com/protecting-college-students-understanding-insurance-risks-for-dormitory-and-off-campus-living) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Jul 31, 2023, 1:48:18 PM [Read more](https://blog.concklin.com/protecting-college-students-understanding-insurance-risks-for-dormitory-and-off-campus-living) [![Concklin Logo](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo.png?width=150&height=48&name=Concklin%20Logo.png "Concklin Logo")](http://concklin.com) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) - About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Restaurants](https://restaurants.concklin.com) - [Franchised Restaurants](https://restaurants.concklin.com/franchised-restaurants) - [Contractors](https://insurance.concklin.com/general-contractor-insurance) - [Habitational](https://insurance.concklin.com/habitational-insurance) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Business Owners' Policy](https://insurance.concklin.com/business-owners-insurance-policy) - [Commercial Property](https://insurance.concklin.com/commercial-property-insurance) - [General Liability](https://insurance.concklin.com/commercial-general-liability-insurance) - Workers' Compensation - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - [Homeowners' Policy](https://insurance.concklin.com/homeowners-insurance) - [Personal Auto Policy](https://insurance.concklin.com/auto-insurance) - [Personal Umbrella Policy](https://insurance.concklin.com/personal-umbrella-insurance) - [Flood Insurance](https://insurance.concklin.com/flood-insurance) - Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- REQUESTING COVERAGE DOES NOT GUARANTEE COVERAGE CAN BE PROVIDED.  COVERAGE CAN BEGIN ONLY WITH SPECIFIC STATEMENT BY A LICENSED MEMBER OF CONCKLIN INSURANCE AGENCY. 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