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Upton Group calls for government to create insurance program for restaurants

March 23, 2020 / Lyle Adriano

The Upton Group, a national insurance agency specializing in food delivery insurance, has called for the federal government to create an insurance program for the food industry, as the COVID-19 pandemic continues to pose a major economic risk for all businesses. A release from the agency explained that the standard business owner’s policy provides for loss of income, including actions by a civil authority. But such policies usually require physical damage at the premise, or off premise, to trigger coverage. By that definition, a virus does not constitute physical damage and thus does not trigger loss of income insurance. “We have clients and non-clients calling every day asking about insurance for the significant losses of income they are facing and local, county and state agencies and governments ordering restrictions and total shutdowns of their businesses for an indefinite period of time,” said Upton Group president Jason Upton.