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French court requires insurers to cover restaurant losses from pandemic

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After the Christmas rush, tranquility seized the establishments of Stéphane Manigold, a French businessman who runs the Substance, he Contrast, the Rostang House, and the Bistro next to Flaubert in the French country. He did not imagine what March would bring, let alone the legal battle he would have with his insurer soon after.

With the arrival of the coronavirus crisis, Stéphane had no choice but to interrupt service at his four stores. His turnover fell sharply and he began to look for solutions that would allow him to reopen as soon as the measures of confinement and social distancing became more flexible.. For this it would be necessary to be in the best possible economic situation, and hence investigated what compensation was due to him according to the contract signed with your insurer.

To faint Stéphane, The company with which he had contracted the insurance indicated that there was no clause that would protect him from the current situation.. AXA, one of the largest insurers in France, evaded his responsibilities claiming that the assumption of a pandemic was not explicitly included in the document.

Perplexed, Stéphane decided to fight and brought AXA to court in Paris, and there it was ruled in favor of the restaurant professional.

The case is interesting because it opens the door for many other businesses in the sector to benefit from similar sentences.. The precedent set in Paris has already resonated in the media and among those affected by the lack of coverage by insurers.

In France, AXA is committed to serving the cases of other restaurants in similar situations. Despite this apparent act of good faith is the fact that the company will appeal the sentence forcing the company to pay the restorer an amount equal to the expected benefits during the two months in which the coronavirus pandemic affected Stéphane's business.

Manigold has thus become a light of hope among restorers who have felt abandoned by their policies.. Messages come down from the most unusual corners of the world to the manager, and Stéphane himself claims that he receives frequent emails from professionals in the sector based in countries such as the United Kingdom, Spain, OF. THE. o South Africa, who are interested in knowing the details of their contract with AXA to find out if they have the possibility of being compensated by their local insurers.

«Esta decisión en París resuena a nivel global», comentaba extasiado Stéphane Manigold. Y tiene razón, en EE. UU. y Reino Unido los profesionales del mundo de los restaurantes ya se organizan. Pretenden tumbar al Goliat de las aseguradoras a través del asociacionismo. Tal como indicaba la abogada de Manigold, Anaïs Sauvagnac, «Esto significa que todas las compañías con la misma cláusula pueden enviar apelaciones a sus aseguradoras».

Así, parece bastante probable que los restaurantes que hayan tenido la suerte de contar con el punto ambiguo origen de la discordia (solo el 10% de los contratos con restaurantes lo recogen, de acuerdo a comentarios emitidos por AXA), reciban una compensación que le ayude a seguir adelante con su negocio.

De acuerdo a algunos analistas, la batalla legal entre AXA y los restaurantes podría ser el preludio de algo mayor. Atendiendo a la opinión experta de Benjamin Serra, representante de la afamada agencia de calificación Moody’s, no es descabellado pensar que los organismos reguladores nacionales obliguen a la aseguradores a mantener un fondo de compensación adicional para enfrentar este tipo de supuestos catastróficos. Ello, claro está, irá en detrimento de los beneficios que percibirán las aseguradoras este año.

En Reino Unido, los responsables financieros de la nación ya han comenzado a moverse en este sentido. Y es que garantizar que el tejido empresarial del país resiste la crisis del coronavirus se ha convertido en una prioridad máxima ahora que el número de contagios y muertos causados por la pandemia desciende.

En un país como España, donde los establecimientos dedicados a la restauración suponen un porcentaje nada desdeñable del entramado económico del país, es previsible que también se observen y demanden soluciones en este sentido. Queda en manos de los profesionales del sector el hecho de exigirlas.

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Sobre el autor

Artículo realizado por el equipo de redacción de DiegoCoquillat.com. Cuenta con profesionales tanto en el terreno de la hostelería, gastronomía y turismo, como en de las nuevas tecnologías e innovación.

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