Food Business Insurance

If you need food business insurance, you have come to the right place. We can serve many types of food businesses with a wide variety of insurance products.  

All food companies need either General Liability or Product Liability for protection and to gain access to markets.  

Food Liability Insurance  

General Liability for food manufacturers and importers, is critical to succeed in the marketplace. This form of liability insurance is the most requested form of insurance in contracts. General Liability contains both liability for your premise and operations as well as product liability.  Product liability, on its own, is available but for most businesses is not as versatile. 

All food manufacturers know that a Certificate of Liability Insurance is often requested by retailers and wholesalers. Did you know there is more to a certificate than just limits?

Terms are often requested in vendor specifications that go way beyond just limits of liability insurance. Read below for more information!

Got 14 Minutes? Click on the snack and learn about liability insurance

Food Insurance
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Contract Considerations for Food Insurance

When securing General Liability or Product Liability for your Food Business the following tips will help when complying with vendor contracts: 

  1. Know your limits of liability per occurrence and in aggregate. Contracts will either stipulate one number or two. When only one number is stated in the contract, it usually means a limit of liability per occurrence. Two numbers looks like, x,xxx,xxx per occurrence with a x,xxx,xxx aggregate. Additional limits can be purchased by using Umbrella or Excess limits. 
  2. Some vendors may put products in classes meaning, higher hazard products need higher liability insurance limits than lower hazard products. Know your class. 
  3. Endorsements or changes to the liability insurance often need to be made. Here are the common changes: 
    • Adding an Additional Insured (usually Vendors Additional Insured but not always) 
    • Waiver of Subrogation (each party agrees not to have their respective insurance companies go after each other) 
    • Primary and Non-Contributory (vendors insurance does not contribute to the claim until after yours is used up) 
    • Cancellation Notification (often dictated by state law but can be changed by contract) 

Beyond Liability Insurance

Although liability insurance is the most requested coverage do not forget: 

 Contact us for more information or to request an insurance quote.

Insurance Suggestions for Stages of Your Food Business

Bootstrap Stage

Starting Out

General Liability or Product Liability
Excess or Umbrella Liability

Catching On Stage

Got Some Life

General Liability or Product Liability
Excess or Umbrella Liability
Hired & Non-Owned Auto Liability

Onto Something Stage

Getting Traction

General Liability or Product Liability
Umbrella or Excess Liability
Hired & Non-Owned Auto Liability

Workers Compensation
Inventory/Packaging Property Coverage
First Party Product Recall

We Got This

The Long Haul

General Liability or Product Liability
Excess or Umbrella Liability
Hired & Non-Owned Auto Liability or Commercial Auto
Workers Compensation
Full Product Recall
Inventory and/or Equipment Coverage
Business Income Coverage

Food Business Insurance For:

  • Bakery-Retail or Commercial Only Food Businesses
  • Snack Food Manufacturer
  • Sauces, Dips and Salsas
  • Food Co-Packer
  • Food Importer/Exporter
  • Candy and Confections
  • Specialty Retail
  • Specialty Foods Wholesale and Distribution
  • Organic Food Retail
  • Organic Wholesale and Distribution
  • Nutraceuticals
  • Cannabis products
food business insurance - INSURANCE FOR FOOD BUSINESSES