Chuckanut
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Below is an article by the owner of one of the better restaurants in my state. He explains the issues that have made him decide there will be no table service until he can fully open up his restaurant. IOW, after there is a vaccine.
https://seattle.eater.com/2020/7/28...-holly-smith-not-reopening-dining-in-covid-19
“
In the past, my servers have spent two to three hours with every table over the course of a meal, whether that’s a tasting menu or multiple courses. If cough droplets go as far as nine to 13 feet, those aerosols would travel around multiple tables, including our server stations. And our layout is not unique. With the asymptomatic transmission and politicizing of responsible best practices, the staff has no way to feel safe or in control of their well-being.
On the economics side, there are other peripheral issues in a business with highly perishable items served in intimate contact with consumers. And that includes insurance. Shortly after SARS, in 2002 to 2003, there were huge payouts, including one for $16 million to one hotel chain.
Not again. After SARS, insurance companies added exclusions to standard commercial policies for bacteria and viruses. The realization that I had no insurance coverage for such contingencies felt as surreal as the pandemic itself. I knew the exclusion existed — it was out of my control, but that didn’t matter until it did.
Let me lay out what this means in my world. I have insurance to protect myself, my business, and my staff. Heck, it even covers you when you’re in my space. It is universal, a part of our social contract that I will take care of my universe, and you as well. It is what I pay for, and it makes the risks we take — opening the doors to the public — a bit less risky.
Insurance is helpful for me in two ways when closure occurs. I have business interruption and spoilage insurance; one covers a loss for shutting the doors and the other pays for all the lost food already purchased. But, because of those aforementioned exclusions, neither applies due to COVID-19. Trust me, I tried. We were closed by the governor’s mandate, but there was no recourse to recoup losses. My insurance was a no-show. There was no coverage for the food in the walk-in for a busy weekend, or for the months of reservations I had to cancel.
”
https://seattle.eater.com/2020/7/28...-holly-smith-not-reopening-dining-in-covid-19
“
In the past, my servers have spent two to three hours with every table over the course of a meal, whether that’s a tasting menu or multiple courses. If cough droplets go as far as nine to 13 feet, those aerosols would travel around multiple tables, including our server stations. And our layout is not unique. With the asymptomatic transmission and politicizing of responsible best practices, the staff has no way to feel safe or in control of their well-being.
On the economics side, there are other peripheral issues in a business with highly perishable items served in intimate contact with consumers. And that includes insurance. Shortly after SARS, in 2002 to 2003, there were huge payouts, including one for $16 million to one hotel chain.
Not again. After SARS, insurance companies added exclusions to standard commercial policies for bacteria and viruses. The realization that I had no insurance coverage for such contingencies felt as surreal as the pandemic itself. I knew the exclusion existed — it was out of my control, but that didn’t matter until it did.
Let me lay out what this means in my world. I have insurance to protect myself, my business, and my staff. Heck, it even covers you when you’re in my space. It is universal, a part of our social contract that I will take care of my universe, and you as well. It is what I pay for, and it makes the risks we take — opening the doors to the public — a bit less risky.
Insurance is helpful for me in two ways when closure occurs. I have business interruption and spoilage insurance; one covers a loss for shutting the doors and the other pays for all the lost food already purchased. But, because of those aforementioned exclusions, neither applies due to COVID-19. Trust me, I tried. We were closed by the governor’s mandate, but there was no recourse to recoup losses. My insurance was a no-show. There was no coverage for the food in the walk-in for a busy weekend, or for the months of reservations I had to cancel.
”