Randy and Amanda Rucker opened River Twice, their modern American BYO on Passyunk Avenue, seven months ago, hoping that his culinary talent and her business acumen would establish the restaurant as a fixture on one of Philadelphias most competitive restaurant corridors.LitigationLegislation & Regulation
Reviews were strong. Ruckers food found an audience. The diners streamed in. Then came coronavirus.
River Twice, like all other restaurants in the city, was ordered to close its dining room March 16, cutting off revenue overnight. And while the Ruckers assumed that insurance would help their business survive, they were stunned to hear from their broker that their claim would likely be denied.
Lawrence Highbloom, Amandas father and managing member of the restaurant, likened the discovery to a “guillotine coming down.” Now, River Twice is suing its insurer.
“Thats the point of insurance, isnt it?” Highbloom asked. “Its not to protect you from bad decisions by the business operator. Its to protect the business operator from circumstances beyond their control.”