Specialty Food and Beverage Insurance

Visit Our Dedicated Food & Beverage

  • Property Insurance

    Building, Equipment and Inventory.

  • Loss of Income

    The disability insurance your business needs in the event you suffer a significant slowdown or complete shutdown, due to a covered loss.

  • Liability Insurance

    You know this one, in case someone gets hurt or sick, you get defense coverage and money for a settlement.

  • Product Liability Insurance

    Product Liability is a form of General Liability and is mostly used for products of a more hazardous or complicated nature. We use product liability policies for :

    • Direct Importers of Food, Beverage or other products
    • Nutraceutical Products

    These policies are often offered on and excess/surplus lines basis, so they incur minimum premiums from $1,000 to $10,000 depending on the nature of the product and business. They will have earned premiums of 25% and fees and taxes that are part of doing business in this marketplace. You will most likely have a deductible ranging from $ 500 to $ 5,000 or higher.

food and beverage insurance
  • Auto Insurance

    Delivery vehicles, owner vehicles and other vehicles owned by your business.

  • Equipment Breakdown

    Not a coverage that is talked about much but can be very useful in a food and beverage business.

  • Workers Compensation

    You know this one, in case someone gets hurt or sick, you get defense coverage and money for a settlement. This is also the one requested the most by vendors of your product.

  • Umbrella Liability

    If your Liability policy runs out of limit this is the policy that offers more coverage. If a vendor wants more than $1,000,000 in insurance this is the policy for you.

  • Hired/Non Owned Auto Liability

    Using your own personal vehicle in business still exposes your business to a loss. This is coverage for your business above and beyond your personal auto policy.

  • Product Recall

    Recall expenses are not covered in any other policy. This coverage needs to be endorsed to your policy but if you need higher limits, another policy will be necessary.

Specialty Products for All Types of Businesses








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