In June 2017, a woman found a dead toad in her salad while dining at a popular restaurant chain in Southern California. The restaurant chain was quick to publicize that the salad ingredients came from an outside supplier. It was also quick to allow the county health authorities to inspect the facility and issue the highest grade. Nonetheless, the patron was disgusted, and all attempts to rectify the situation were met with disdain. While you might not blame her, this is one example of why any business, no matter what it does, should carry full business insurance in VA or wherever it operates.
Time will tell whether this patron decides to file legal action against the restaurant chain. She complained of feeling sick after the incident, which might prompt her to take this matter into the legal forum. Although the restaurant offered free food and a gift certificate to apologize, the patron could sue the chain and the location’s manager. This is common, and it is one reason why businesses secure their ventures with the maximum coverage they can. Should the restaurant have been in Virginia and owned by a local person, the patron could sue the business and person directly for damages. Without business insurance in VA, the owner might lose everything, even if it was the supplier’s food.