The café owners and restaurateurs are wind standing against their insurers, who refuse to cover operating losses related to the outbreak of coronavirus. The employers ‘ organisation UMIH threatens to cut the bridges with traditional insurance business and works to tailor-made contracts for the profession.
The 230 000 professionals in the sector of hotels and restaurants intend to emancipate the large insurers. Affected by the confinement and the first phase of the déconfinement, which prohibited them any opening, they see themselves today refuse to take account of their operating losses and will have to draw a line on compensation. And it makes me very angry !
What is the background of the problem ?
Contracts and property and casualty insurance professionals, café owners and restaurateurs, which include property, as a general rule, a cover of the operating loss due to a contagious disease, a murder, a poisoning or an epidemic. But the devil is nesting in the details, these contracts are in most cases accompanied by an exclusion clause, for example if the epidemic in question is hitting other institutions.
The French Federation of insurance is split by a press release reiterating that ” almost the totality of contracts covering the business excludes the occurrence of the epidemic “.
The restaurateurs are fighting back
The FFA invites so everyone has to refer to his contract. And in this case its exclusion clauses. A couple of restaurateurs from the Beaujolais, among many others, speaks precisely of abusive clause and decided, in response to the end of not receive from their insurer, to bring the case before the commercial court of Lyon.
Scam. The word is out and the contentious-are likely to multiply in the next few weeks, the UMIH stating that collective actions in justice will be carried out.
A restaurateur in paris has well won the case before the court on 22 may, but it remains for now an exception, and his contract contained no exclusion clause. His insurer appealed.
They prepare the response
But the association goes further than that. She went on to work several weeks ago already to ” develop a bid to ensure the essential needs of the professionals “, specifically a contract type that delivers the required levels of collateral, contributions and premiums for the café owners and restaurateurs.
Roland Héguy and Hervé Bécam, the co-chairs of the UMIH, do not hide it and have already warned the prime minister and the minister of the Economy.
The organization announced for September of concrete proposals that will be made to the 230 000 professionals in the sector, with the opportunity to terminate their existing contracts and sign the new contract, which may be focused by experts, intermediates or even reinsurers, as of January 1, 2021.
Author(s): FranceSoir
