0333 320 6009
0333 320 6009
Workers on a food production line


Food Manufacturers Insurance

Insurance covers to protect food and drink manufacturers

We compare quotes from leading insurers

Tailored insurance solutions for your food manufacturing business

If you're in the food manufacturing industry, you know that protecting your business is crucial to your success. From food processing to packaging, your business faces unique risks that require tailored insurance coverage.

Like most manufacturers and wholesalers, risks such as storing and moving large quantities of produce and stock with forklift trucks or specialist machinery, using industrial kitchen equipment, production lines and bespoke equipment for processing and production means that you require specialist insurance to protect you and your business.

At Premierline, we understand that choosing the right food manufacturers insurance policy can be challenging. That's why we work closely with a panel of trusted insurers to find you the right insurance solution that suits your unique requirements.

We can arrange a comprehensive food manufacturers insurance policy that can provide coverage for risks such as product liability, business interruption, and contents and stock cover as well as specialised cover options.

Our experienced advisors are available to give you professional guidance and make recommendations based on your individual insurance needs. We are committed to finding you the right cover at the right price and supporting you for the duration of your policy.

With food manufacturers insurance from Premierline, you can work without worry and focus on producing quality food and drink products. Call us today to make arranging your business insurance simple and hassle-free.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

Food manufacturers insurance cover in detail

What is food manufaturers insurance?

Food manufacturers insurance is a type of insurance policy designed specifically for businesses involved in the manufacturing and production of food and drink products.

The cover provided by food manufacturers insurance can vary depending on the specific needs of your business. It typically includes a combination of property insurance, public liability insurance, employers' liability, product liability insurance, and other types of insurance designed to protect your business from financial losses.

Food manufacturers insurance is an essential component of any comprehensive risk management strategy for businesses involved in the food and drink manufacturing industry.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:
Customers eating food in a pub

Public liability insurance

As careful as you may be, there are many risks associated with allowing any visitor into your food production business that could lead to them being injured or damaging their property. Public liability insurance can protect your business from financial losses resulting from claims made against you by third parties for accidental injury or property damage. It provides coverage for legal fees, compensation, and other costs associated with a claim.

As a food manufacturer, there are many risks involved in your daily operations, such as customers or visitors slipping on a wet floor or becoming sick from consuming contaminated products. If such incidents occur, you may face legal action and financial consequences. Public liability insurance can help protect your business from these risks and give you peace of mind.

Chef plating food up

Employers' liability insurance

You have a responsibility to ensure the safety of your employees and provide a safe working environment at your food manufacturing facility. However, accidents and injuries can still occur, and if they do, your business could be held liable for the costs associated with medical treatment, rehabilitation, lost wages, and other expenses.

Employers' liability insurance is designed to help protect your business from these risks and provide financial support to your employees in the event of an accident or illness. It covers legal fees, compensation, and other costs associated with a claim.

If you employ staff or subcontractors, in most cases it is a legal requirement in the UK to have employers liability insurance.

Worker preparing vegetables

Product liability insurance

As a food manufacturer, product liability insurance is highly recommended. This type of insurance coverage protects your business from financial losses resulting from claims made against you for injury or damage caused by your products.

Even with the most stringent safety protocols in place, there is always a risk of a product defect or contamination that could cause harm to your customers. If such an incident occurs, your business could be held liable for the costs associated with medical treatment, lost income, and other expenses.

Product liability insurance provides coverage for legal fees, compensation, and other costs associated with a claim made against your business due to a product defect or contamination. It is a critical aspect of any comprehensive insurance policy for food manufacturers, as it can help protect your business from significant financial losses.

Kitchen equipment

Property covers

Property insurance such as buildings, contents, and stock cover are important for food and drink manufacturers. These covers protect your physical assets, including your manufacturing facilities, equipment, raw materials, finished products, and other inventory.

In the event of a fire, theft, or other disasters that can cause damage or destruction to your property, this insurance can help cover the costs of repair or replacement.

Having property insurance for food manufacturers is particularly important as usually the food manufacturing industry typically involves storing large quantities of raw materials and finished products, using specialised equipment, and relying on complex production processes. Any damage or destruction to your property or equipment can have significant financial consequences for your business.

Open sign on a door

Business interruption insurance

Whatever your food production insurance needs, the ability to continue to trade following an unforeseen 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.
Person coding on a laptop

Cyber & data insurance

As technology continues to evolve, businesses are becoming more vulnerable to online threats and data breaches. Even businesses with the most stringent cybersecurity measures in place are still not safe. Cyber and data insurance can help to protect and support you if you fall victim to cybercrime.

If you have a website, hold personal data about your customers, suppliers or even employees, rely on computer systems as part of your day to day business, then you have a cyber and data exposure which you may wish to protect. Cyber insurance is designed to provide you with crucial support if your IT infrastructure and data is compromised following a cyber-attack.

Cafe stuff using a computer

Specified all risks

For a complex business such as food manufacturers, you may wish to add specific risks to your insurance policy. Specified all risks will protect equipment or property that are specifically listed in the policy, such as production machinery, specialist equipment, and other essential assets.

Specified all risks coverage is a type of insurance that can provide additional protection for specific items of high value that may not be covered under a standard food manufacturers insurance policy. This can include items such as valuable machinery, tools, or equipment that are essential to the daily operation of your business.

Specified all risks can cover loss or damage to these items, whether they are on your business premises or in transit. This type of cover typically provides broader protection than standard insurance policies and can include coverage for accidental damage, theft, and other risks.

Mechanic working on a tablet

Tools, plant & equipment

When machinery, plant and equipment are the backbone of your food manufacturing business it’s important to make sure your essential equipment is protected against the unexpected. This cover should protect all of your machinery and equipment you use for food and drink production such as industrial cooking equipment, packaging equipment and generators whether they are on your business premises or in transit.

Tools, plant, and equipment insurance can provide coverage for a range of risks, including theft, accidental damage, and breakdowns. This coverage can also include protection for any hire equipment that you may be using as part of your business operations.

The royal courts of justice

Legal protection

Commercial legal protection, also known as legal expenses insurance, is a type of insurance that provides coverage for legal costs and expenses incurred by businesses in the event of a legal dispute or claim.

This insurance typically covers expenses such as legal fees, court costs, and settlements that may arise from disputes related to the business, such as contract disputes, employment disputes, or health and safety incidents. Commercial legal protection insurance can provide peace of mind to businesses and help mitigate the financial impact of legal disputes, which can often be expensive and time-consuming to resolve.

Driver loading a van

Commercial vehicle 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.
Delivery driver in a van

Goods in transit cover

If you offer a collection or delivery service to/from retailers, the hospitality industry or wholesalers then goods in transit insurance can provide peace of mind should your goods or stock be lost, stolen or damaged whilst in transit. This type of insurance is designed to protect the goods and materials that are transported from one location to another during business operations.

Goods in Transit insurance typically provides coverage for loss or damage to goods caused by various risks, such as theft, fire, or accidental damage during transit. This insurance may also cover losses caused by delay, detention, or non-delivery of goods.

Drinks manufacturer inspection

Statutory equipment inspection

Food and drink manufacturers that use machinery or equipment in their operations are often required by law to conduct regular inspections to ensure that they are operating safely and meet regulatory standards. Therefore, food and drink manufacturing businesses should consider having statutory equipment inspection cover as part of their overall risk management strategy to protect against the costs of complying with regulatory requirements.

Food manufacturers insurance FAQs

Food manufacturers insurance is typically designed to protect you against unforeseen events that could leave your business exposed to financial loss, leaving you to focus on what really matters - running your food manufacturing business.

As your business insurance broker, Premierline will look to recommend a food manufacturers insurance policy which incorporates a range of insurance covers to meet the main demands and needs of your business.

With so many covers to consider, it can be difficult to know what’s relevant to you and how the cover would work to protect your business. That is why we have insurance advisors on hand to provide insurance advice over the phone.

Typically, food manufacturers insurance can cover your buildings, machinery, stock and raw materials, as well as your clients, your staff, and many other trading activities.

As a food manufacturer, there are several types of insurance covers you should consider to protect your business from a range of risks. These covers include:

  • Public liability – for injured visitors or damage to their property.
  • Employers' liability – to protect your employees.
  • Product liability – in case your products cause injury or damage.
  • Buildings cover – to cover for loss or damage to your premises.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Tools, Plant & equipment cover - to protect your machinery and specialist equipment.
  • Specified all risk cover - to protect specific company items.
  • Business interruption – to keep finances running when disaster strikes.
  • Goods in transit – to cover for loss or damage to stock when in transit, loading or unloading.
  • Business legal expenses – to cover the cost of legal expenses or defending your business against legal action.
  • Statutory equipment inspection cover - for equipment that is subject to mandatory inspection and certification requirements by government agencies.
  • Cyber liability - for cover against any loss or damage to electronic data as a result of cyber-attacks or other security breaches.
More information

The cost of food manufacturers insurance can vary depending on several factors, such as; the size of your business - larger businesses may require more coverage than smaller businesses, which can affect the overall cost of your policy.

The level of coverage you require - the more coverage you require, the higher the premium may be. Your location - the location of your business can affect the cost of your insurance, as certain areas may have higher risk factors than others.

The specific risks associated with your business operations. If your business involves a higher level of risk, such as working with hazardous materials or heavy equipment, the cost of your insurance may be higher to reflect this increased risk. Overall, the cost of food manufacturers insurance can be highly variable, and it is important to work with an experienced insurance broker such as Premierline to ensure that you have the cover you need at a price that fits your budget.

At Premierline we’re committed to helping you find the best insurance for your food manufacturing business, so you can enjoy peace of mind and focus on running your business.

Our team of insurance experts have extensive knowledge of the insurance market and can help you navigate the complexities of business insurance to ensure that you have the coverage you need. As an insurance broker, Premierline has access to a wide range of insurance products and providers, giving you greater choice and flexibility when it comes to choosing the right insurance policy for your business. Simply arrange a call back to speak to an insurance advisor today.

At Premierline, we can source business insurance for many different types of businesses in the food and drink manufacturing industry.

Examples include; beverage manufacturers, meat and poultry manufacturers, dairy product manufacturers, snack food manufacturers, baked goods manufacturers and frozen food manufacturers.

Each type of food and drink manufacturer has its own unique risks, such as the risk of contamination, spoilage, or product recalls, which require specialised insurance coverage tailored to their specific needs. At Premierline, we source food manufacturing insurance policies that can be tailored to meet the unique needs of your business.

Why choose Premierline?

Premierline Insurance Experts

We're commercial insurance experts

We understand the nature of running your commercial and industrial business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning service - We're trusted by thousands of SMEs across the UK
  • Comprehensive protection - We can help with all your commercial insurance needs
  • UK based  experts - Located in Lancaster, our advisors are here to help

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Speak to a food manufacturers insurance expert

Choosing Premierline as your food manfacurers insurance broker can provide you with the peace of mind that comes from knowing that your business is protected by a comprehensive insurance policy that is tailored to meet your specific needs. We're here to help you navigate the complexities of business insurance. Speak to an expert today.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

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