Food & Beverage Manufacturers Insurance

Commercial property insurance protects the buildings and the business contents in your facilities such as manufacturing equipment, raw materials, finished goods, inventory, and office equipment in the event of loss due to covered perils.

General liability provides essential coverage against lawsuits and claims of negligence issues brought against your business due to a customer or vendor injuring themselves on the facility’s premises. General liability can also cover third party claims against you for foodborne illnesses, advertising injuries, and third-party property damage.

Commercial auto protects your fleet of vehicles repair costs if they are involved in an accident or other types of damage, and protects your business from the legal costs due to an at-fault accident that your drivers may be involved in.

Business interruption/ loss of business income reimburses your business for lost income if your facility has to close down or suspend operations due to your sustaining a covered direct physical property loss.

Cyber liability covers your business from a lawsuit or claim related to a data breach involving sensitive customer or business information, such as credit card numbers, account numbers, social security numbers, driver's license numbers, and health records.

Employment practices liability covers employers against claims made by employees alleging discrimination, wrongful termination, harassment, or failure to promote.

Equipment breakdown covers your equipment such as production equipment, refrigeration units, heating and cooling systems, and office computers and telephone equipment from sudden and accidental breakdown.

Commercial umbrella liability provides your business with an extra layer of liability protection to help cover costs that may exceed your other liability coverage limits. Typically covers over and above your underlying general liability, business auto liability, and employer’s liability insurance.

Workers' compensation protects your employees from the costs of workplace-related injuries or illnesses. Workers’ comp can help cover your employee’s lost wages, and medical expenses if they are injured during the course of employment. In the event of a lawsuit against the employer by the injured employee, it can cover legal defense costs and any damages the employer may owe to the employee.