Insurance for what people consume.
Coverage for food processors, beverage producers, co-packers and specialty brands with contamination, recall and supply-chain exposure.
The questions every
owner should ask.
If a batch is contaminated, is product liability enough?
Not usually. Product liability deals with injury and damage claims. Recall, contamination, disposal, testing, brand damage and lost income often need separate treatment.
We use a co-packer. Who is responsible if something goes wrong?
It depends on the contract and the facts. We review vendor requirements, additional insured wording, indemnity and recall responsibility so the programme matches the supply chain.
Our cold storage fails. Is spoiled inventory covered?
It can be, but the form and cause matter. Equipment breakdown, utility interruption, spoilage and business income need to be coordinated.
Do online food brands need the same coverage as manufacturers?
They need many of the same liability protections, even if manufacturing is outsourced. Brand owners can still be named in product and recall claims.
What a good policy
actually covers.
The areas that matter most for your kind of business — what they do, and the losses they're built to absorb.
Product liability & recall
Coverage for alleged illness, contamination, labeling issues, withdrawal expense and customer claims.
Learn about this coverProperty, spoilage & business income
Buildings, equipment, stock, refrigerated goods, utility interruption and income loss after covered events.
Learn about this coverCommercial auto
Owned delivery vehicles, hired/non-owned auto and fleet exposures for distribution and local delivery.
Learn about this coverCyber & crime
Ransomware, vendor-payment fraud, customer data and operational disruption in production and ordering systems.
Learn about this cover A broker that works
the whole market.
Recall exposure made explicit
We separate product liability from recall and contamination so the policy is not pretending one line solves everything.
Supply-chain contracts reviewed
Co-packer, distributor, retailer and vendor agreements are checked for insurance obligations before certificates go out.
Production details carriers need
We package HACCP, controls, ingredients, revenue and storage details so underwriters can price the operation properly.
From first call
to bound cover.
Tell us about your business
A few details about what you do, your size and any contract or licensing requirements you're working against.
We shop the market
We compare carriers that price your kind of business well, and bring back real options side by side.
Bind with confidence
Choose the option that fits, get your certificate, and know exactly what's covered — with us on the line if something happens.
Who this is
built for.
Food business cover
built around the batch.
Tell us what you make, where it is produced and how it moves. We'll build the policy around contamination, recall, property and contract risk.