Pizza Today June 2021 - 62

FEATURE

Restaurant insurance in the post-COVID era
How to keep costs down and protection up in today's climate

I

nterested in safeguarding his
restaurant and his livelihood,
John Panvino doesn't hesitate to
invest in insurance.
The chef and owner of Trattoria
Porretta in Chicago, Panvino knows
thorough coverage for his business
can save his tail should one of his
delivery drivers get in an accident or
hackers infiltrate his point-of-sale
system. Insurance affords Panvino
protection and peace of mind.
" You can't just sign on the dotted
line and call it a day, " Panvino says.
" In the restaurant business, there are
a million things you need insurance
for and I want to know I'm covered. "

B y D a n i e l P. S m i t h
Photos Josh Keown

Indeed, insurance can make or
break a restaurant operation, challenging its health, if not its longterm viability.
Contemporary insurance issues
COVID-19 has altered so much
of the world and insurance is no different, where the virus stirred up dust
that continues swirling.
According to Don Scaramastra,
an attorney at Seattle-based Foster Garvey who represents clients
in insurance-related litigation, the
conventional policy covers direct
physical loss of property or damage

to the physical building. These days,
court battles are brewing coast to
coast around the term " physical loss. "
Is a virus present in the restaurant
a physical loss? What about one's
inability to use the restaurant because
of a government order?
While Scaramastra watches the
courts taking different approaches, he
also sees insurers largely retaining the
same " physical loss " language. Many,
he says, are " buttoning up " their
policies and eliminating any murkiness through exclusions. Prior to
COVID-19, for example, Scaramastra estimates that 70-80 percent of
policies held a virus exclusion; now,

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5/11/21 11:54 AM



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Pizza Today June 2021

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