Restaurants and Food Service
A restaurant lost refrigeration in two walk-in coolers and a freezer when utility power quality problems damaged compressors and motors. As a result, oysters, duck, demi-glace, crab cakes and other meat, poultry, seafood and produce spoiled.
Total Paid Loss $ 32,867
A chain restaurant was closed for 10 days after loose connections caused severe arcing that damaged the main electrical panel.
Physical Damage: $37,746
Business Interruption: $14,264
Total Paid Loss $52,010
A power surge damaged a restaurant's refrigeration system. The restaurant had to remain closed while repairs were made.
Physical Damage: $12,940
Business Income Loss: $11,321
Spoilage: $26,900
Total Loss Paid: $51,161
A utility owned, pole mounted transformer located on the insured's property short-circuited when a squirrel chewed through the transformer cable. A subsequent single-phase condition caused electrical damage to the insured's office computers and refrigeration equipment.
Total Paid Loss: $15,579.
A 100-hp air conditioning compressor connecting rod broke resulting in damage to internal parts.
Physical Damage: $23,453
A bagel shop had to close when a utility transformer shorted out and power was lost. Dough and meat spoiled, and the power surge damaged the fan motor, compressor and relays in the shop's air conditioning system.
Physical Damage: $ 2,040
Business Income: $ 295
Spoilage: $ 1,429
Total Paid Loss: $3,764
Refrigeration line of a small refrigeration unit cracked, causing food products in storage to spoil.
Physical Damage: $148
Spoilage: $4,229
Total Loss Paid: $4,377
The front section of a cast iron steam boiler used for heating was damaged because of a low water condition. Spoilage occurred to live lobsters, food and wine.
Physical Damage: $11,994
Extra Expense: $7,562
Total Loss Paid: $19,556
Two compressors of the small refrigeration unit shorted out. Spoilage occurred to dairy products.
Physical Damage: $3,342
Spoilage: $1,775
Total Loss Paid: $5,117
A gas burner in a cast iron steam boiler did not shut off, causing overheating and damage to several sections of the boiler.
Physical Damage: $10,610
Business Income: $8,017
Total Loss Paid: $18,627
A condenser fan mounting bracket in an air conditioning unit broke, causing the fan blades to damage the Condenser coils with resultant loss of refrigerant.
Physical Damage: $13,558
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