General Liability with Product Liability
The foundation of any CPG program. It responds to injury and property damage claims from consumers, and for ingestibles it must be written without an ingredients exclusion.
Read the Product Liability guideWhat CPG insurance covers
The full cpg insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
- Coverage lines
- 6
- Priority tiers
- Core · Recommended
- Placed across
- 60+ carrier partners
Trusted by 60+ carrier partners
Core
Required for most CPG operations
Product Recall / Contamination
General liability excludes recall cost. A recall triggers notification, retrieval, warehousing, and destruction expense; standalone recall covers both first-party cost and third-party liability.
Read the Product Recall guideUmbrella / Excess Liability
A widely distributed defect can pass primary limits in months. Umbrella extends product, general, and employers liability, and major retailers often require it before a purchase order.
Read the Umbrella Insurance guideRecommended
Common for multi-channel CPG brands
Cyber Liability
Selling DTC means holding card data and customer PII. A GL sublimit is not standalone cyber, which covers breach notification, forensics, regulatory fines, and business interruption.
Read the Cyber Liability guideCommercial Property
A 3PL's policy does not cover your inventory. Your property covers warehouse stock, materials, and equipment, with spoilage and equipment breakdown endorsements for perishables.
Read the Commercial Property guideInland Marine / Goods in Transit
Property covers a fixed location; inland marine covers goods moving between manufacturer, warehouse, and retail, with ocean cargo extending that to overseas shipments.
Read the Inland Marine guideGo deeper
Read any line in full
Each coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a quoteWe will build the program around your operation.
Focus on the work.
We'll be your risk team.
Send us your policy and a licensed advisor benchmarks your CPG insurance across 60+ carrier partners, showing the gaps and the savings. If your program is already solid, we'll tell you.
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