Product Family

Restaurant Contamination

Product contamination events causing sickness to customers in the food service sector continue to make global news. With increasingly complex and widespread supply chains combined with evolving regulations restaurant businesses have never been at greater risk.

Multi-location outbreaks have increased sharply in recent years partly due to better detection but also due to food industry consolidation leading to companies shipping potentially contaminated food service ingredients to wider networks of restaurant locations. As the bar rises on food safety standards restaurant companies need to be prepared to protect against the risk of reputation and financial damage.

Risk Consulting

Risk consultants providing comprehensive risk management solutions based on an understanding of client business priorities and goals.

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Risk transfer – foodborne illness
Standard policy provides for accidental contamination (foodborne illness), supplier contamination, public health authority announcement, malicious tampering, adverse publicity, workplace violence and product extortion covering the following losses:

  • Pre-incident expenses
  • Business interruption
  • Employee expenses
  • Extortion costs
  • Brand rehabilitation expenses
  • Recall costs
  • Consultant and advisor expenses


Response AXA XL - Crisis Management & Special Risks
Response AXA XL is a dedicated network of crisis consultants providing priority access to policyholders. The network is made up of core consultancies in key global territories and comprises, amongst others, specialists in areas such as food safety, public relations, security, legal and regulatory.

Pre-incident consulting
We dedicate a portion of the premium for consultants to work up front with our policyholders to provide bespoke services such as:

  • Restaurant food safety audit
  • Facility threat analysis
  • Supplier risk assessment
  • SOP assessment and development
  • Restaurant HACCP plan, training and audit
  • Crisis Management plan review and assessment
  • Food safety training


Crisis response
In the event of an actual or potential incident policyholders have 24/7 priority access to Response AXA XL consultants through the policy emergency hotline.
No self insured retention applies to crisis response and we also cover initial costs even if coverage is initially unclear.

Benefits and Services

  • Coverage applies worldwide
  • Global claims network
  • Risk engineering
  • 24/7 crisis response

Client Profiles

Our client profiles range from some of the largest multinational restaurant chains through to medium and smaller national enterprises including both corporate restaurant chains and larger restaurant franchisee operations.
We can consider all types of restaurants from fast food chains (i.e. burger, pizza), coffee and bakery stores to high end sit-down dining restaurants.

Product Availability

Geographical coverage is for informational purposes only. Product and service offers can vary based on location, industry, risk profile and unique business needs.

The information contained herein is intended for informational purposes only. It’s is neither an offer to sell nor a solicitation to purchase any particular insurance product. Insurance coverage in any particular case will depend upon the type of policy in effect, the terms, conditions and exclusions in any such policy, and the facts of each unique situation. No representation is made that any specific insurance coverage would apply in the circumstances outlined herein. Please refer to the individual policy wordings for specific coverage details. AXA XL is a division of AXA Group providing products and services through three business groups: AXA XL Insurance, AXA XL Reinsurance and AXA XL Risk Consulting. Not all of the insurers do business in all jurisdictions nor is coverage available in all jurisdictions.

US- and Canada-Issued Insurance Policies. In the US, the AXA XL insurance companies are: AXA Insurance Company, Catlin Insurance Company, Inc., Greenwich Insurance Company, Indian Harbor Insurance Company, XL Insurance America, Inc., XL Specialty Insurance Company and T.H.E. Insurance Company. In Canada, coverages are underwritten by XL Specialty Insurance Company - Canadian Branch and AXA Insurance Company - Canadian branch. Coverages may also be underwritten by Lloyd’s Syndicate #2003. Coverages underwritten by Lloyd’s Syndicate #2003 are placed on behalf of the member of Syndicate #2003 by Catlin Canada Inc. Lloyd’s ratings are independent of AXA Group.

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