Food and drink industry insurance covers
Public liability insurance
As careful as you may be, there are many risks associated with members of the public visiting your food production business that could lead to them being injured or damaging their property. Public liability insurance can protect you against these unforeseen circumstances. For example, if a visitor slipped as a result of a spillage and injured themselves while visiting your food production facility, this cover can give you peace of mind allowing you to focus on the job in hand if they tried to claim compensation.
Employers’ liability insurance
If you do employ a team, or use subcontractors, then you may need to take out employers' liability insurance to safeguard your finances should an employee have an accident at work that was not their fault. Businesses have a legal duty to both protect the safety of employees whilst at work and must have employers liability insurance in place if they employ staff.
Products liability insurance
Products liability insurance is strongly advised for manufacturers, producers, distributors and retailers of food and drink products. As with any product, there is a chance of something not going to plan at any stage from production to distribution. Therefore, it’s important to ensure your food business is covered should your products cause illness or injuries to third parties.
Buildings, contents & stock insurance
Your premises, contents, stock and equipment are all elements of your business that require comprehensive protection against unforeseen events, such as fire, flood, theft and severe weather damage.
Business interruption insurance
Whatever your food production insurance needs, the ability to continue to trade following an unforseen incident and get back on your feet as quickly as possible is crucial. Business interruption cover can take care of this eventuality, so if your property is damaged following an insured event, your income and/or increased expenses can be protected to help you get back up and running as soon as possible.
Equipment, plant and machinery insurance
When machinery, plant and equipment is the backbone of your business it’s important to make sure your essential equipment is protected against the unexpected. This cover should protect all of the machinery at your food and beverage production plant such as industrial kitchen equipment, packaging machinery and forklift trucks.
Specified all risks insurance
For a complex business such as food manufacturers, you may wish to add specific risks to your insurance policy. Specified all risks will protect specific company items like cameras, laptops and other items that you may use away from the premises against most risks such as accidental damage or theft.
Goods in transit insurance
If you offer a collection or delivery service to/from retailers, the hospitality industry or wholesalers then goods in transit insurance can provide the peace of mind should your goods or stock be lost, stolen or damaged whilst in transit.
Commercial vehicle or fleet insurance
A commercial vehicle could be a crucial part of your business; whether it’s for customer deliveries, collecting stock or even just getting to and from the business daily. We understand the need for quality cover that gives you peace of mind so why not take a look at our business van insurance page to find out more about commercial vehicle insurance. If you have a fleet of company vehicles, we could arrange to insure them under a motor fleet insurance policy.
Comprehensive food manufacturer insurance
All of these covers can typically be combined to offer a comprehensive food manufacturers insurance package that is tailored to your unique requirements. Our specialist insurance advisors can help you find the cover that’s right for you by offering professional insurance recommendations over the phone based on your requirements. Call Premierline today to start a quote.