Specialty Food and Beverage Insurance

Building, Equipment and Inventory.

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

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

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.

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

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

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.