Professional Liability Insurance Services, Inc.®
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Professional Liability Insurance Services, Inc.®
Contact Us
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Restaurants: Business Interruption Insurance (Food Borne Illness Outbreaks)
Professional Liability Insurance Services®, Inc. has been the underwriting facility for  Business Interruption and extra expense coverage for food borne illness, accidental contamination, malicious contamination and products extortion.
Restaurants and hospitality entities face unique exposures when it comes to food borne illness, accidental & malicious contamination and products extortion.  Regardless of how these Incidents happen, the reaction is swift and the results are devastating.  The Business Interruption for Food Borne Illness Outbreaks (TNR) from PLIS, Inc. is what your clients need.
What sets TNR apart from other programs?
    •   $100,000,000 in available capacity per Trade Name
    • Coverage extends to international locations owned by entities domiciled in the US or Canada
    • Full policy limits for adverse media  
    • Separate programs for CORPORATE and FRANCHISEES  
    • Recall coverage included as needed as part of TNR policy OR on a stand alone basis  
    • Inoculation, Vaccination and Testing included at no charge - OUTSIDE THE LIMITS OF INDEMNITY
    • Coverage for incidents of workplace violence
    • Outstanding Customer Service - We don't have voicemail, you speak directly to our Underwriters  
    • Flexibility to design policies to fit client's needs  
    • Competitive commissions  
    • No 10% threshold required to trigger coverage (no waiting period)
    • Up to 18 months period of restoration / rehabilitation
    • Workplace Violence included at no charge
    • Coverage for both Supplier and Restaurant caused events
    • Full policy limits for malicious contamination caused by products extortion threats
    • Coverage extends to new, reported locations
    • No per location limits 
    • HACCP certified underwriters with over 40 years of combined food and beverage industry experience, including farm to fork field experience
    • Claims personnel that are HACCP certified and experienced in adjusting revenue based losses
    • Specialty Risk Management® (SRM®) - SRM is the oldest active running hotline and has a 95% success ratio in preventing media events.  They are a 24/7 highly experienced and qualified crisis management team with over 100 years of combined food and beverage industry experience including, but not limited to, a unique blend of experience in pathology, microbiology, marketing, communications, agricultural science, statistical process control and total quality control.
Coverage provides:
    • Business Interruption
    • Incident Response Expenses (extra expenses), including:
      • Cost of marketing efforts 
      • Overtime of regular staff 
      • Cost of hiring temporary replacement staff 
      • Costs to remove contaminated product from the restaurant 
      • Other mitigation related expenses such as cleaning 
      • Costs of inoculation, vaccinations and testing for employees and customers 
      • Loss of royalty revenue for franchisers 
    • For entities who also manufacture products:
      • Pre-recall expenses, recall expenses, customer recall expenses, product rehabilitation (marketing), loss of gross profits, cleaning of machinery, additional staffing and crisis management assistance.
    • Expert and immediate crisis management services, including:
      • 24/7 customer/crisis information line 
      • Proactive, well-coordinated, cohesive operating team with solutions specific to client's needs 
      • Assistance with health department staff and regulatory requirements
      • Assistance with restoration of community reputation, effective marketing and media control 
Coverage responds to:
    • Food Borne Illness, Accidental & Malicious Contamination
    • Impact from publicity of an actual or alleged outbreak involving the same Trade Name
    • Workplace Violence Incidents
    • Extortion Threats
    • Product Recalls of Manufacturing entities owned by Insured (available as a part of TNR Policy OR on a stand alone basis)

All coverage features are still subject to individual underwriting and certain coverage features may be restricted.  This is not part of any insurance contract and confers no rights upon you or your client.   For a complete understanding of any insurance purchased, read the policy, declarations page and any endorsement, and discuss with your client.  Actual terms and conditions may be amended by endorsement or affected by state laws.  Not intended to be a representation of coverage.
Copyright © 2012 PLIS®, Inc. All rights reserved.

U.S. States Available

  • U.S. States Available:
  • Canada:
    Alberta, British Columbia, Manitoba, New Brunswick, Northwest Territories, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon Territory
  • Provider Type:
    Program Administrator
  • Admitted:
    No States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A rated
  • Commission:
    15% to 17.5%
  • Min Premium:


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Professional Liability Insurance Services, Inc.® has other insurance programs like Allied Medical Errors and Omissions Insurance.