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The full food & beverage insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
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Required for most operations
Your product liability policy responds when a consumer alleges bodily injury from your food or beverage, including foodborne illness, allergic reaction, or foreign object ingestion. Most retailer contracts require a minimum of $1M per occurrence.
Read the Product Liability guideCovers bodily injury and property damage claims outside of product-related events. Examples: a delivery driver injured at your warehouse, a visitor who slips at your production facility, or damage to a co-packer's equipment during a production run.
Read the General Liability guideRequired in nearly every state if you have employees. Food manufacturing workers face cuts, burns, repetitive strain injuries, and chemical exposure from cleaning agents. Payroll is rated under NCCI class code 6504 for food products manufacturing.
Read the Workers Compensation guideCommon across most operations
Your production facility, warehouse, office space, and the equipment inside them are covered under this line. Food and beverage operations need endorsements for refrigeration and freezer equipment breakdown, which standard property forms exclude.
Read the Commercial Property guideWhen you pull product from shelves or warehouses, this policy pays the first-party costs: notification expenses, shipping and logistics for retrieval, product destruction, and replacement distribution. For example: a customer finds glass in a jar of salsa, and your product recall policy pays the retrieval and notification costs. Standard GL policies exclude recall costs entirely.
Read the Product Recall guideCovers data breach response costs and regulatory fines when customer payment data or personal information is compromised through your DTC site, Shopify store, or ecommerce platform. Ransomware attacks on food manufacturers have increased sharply since 2024.
Read the Cyber Liability guideMost major retailers won't issue a purchase order without proof of umbrella coverage. This line extends your product liability, GL, and auto limits above the primary policy ceiling, especially for brands placed in high-volume distribution.
Read the Umbrella Insurance guideDepends on your specific operation
Broader than recall coverage. Responds to accidental contamination and malicious tampering events with coverage for lost income, rehabilitation costs, and third-party losses at retailers and distributors who stock your product.
Read the Product Recall guideReplaces lost income when a covered event forces production to stop. For food brands, this includes FDA-mandated facility shutdowns, contamination events that halt a production line, and equipment failures that spoil perishable inventory.
Read the Business Interruption guideEach coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a free coverage review and risk plan. If your current program is solid, we'll tell you. Either way, you walk away with a free expert opinion.
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