Facility, stock and equipment
Identify processing and refrigeration equipment and where ingredients and finished goods are stored. Compare valuation, causes of loss and any limits for spoilage or equipment breakdown.
Business insurance
Food manufacturing insurance
Food production may involve processing machinery, temperature-sensitive inventory and product distribution. Review each stage of the operation and the applicable policy terms.
Understanding your options
What to know about food manufacturing insurance
Food manufacturing combines property and machinery exposures with the possibility of third-party claims arising from products. Spoilage, business interruption and recall costs require separate review and are not automatically included.
What to compare
- Identify raw materials, finished goods and temperature-controlled storage.
- Review the products/completed operations terms and exclusions.
- Ask separately about machinery breakdown, spoilage, interruption and recall.
Coverage, eligibility, limits and exclusions depend on the insurer and policy. Review the actual policy documents before making a decision.
A closer look
How to compare your options
Products and distribution
Describe products, packaging, labeling, sales channels and distribution. Review third-party product liability and how the policy treats property belonging to customers or goods in transit.
Interruption and recall
Business income coverage often depends on damage from a covered cause; a recall is a distinct issue. Examine triggers, waiting periods and whether recall or withdrawal costs are included, limited or excluded.
Before you reach out
A few details can help start the conversation.
- A general description of products and processes
- Texas facility and distribution locations
- Questions about equipment, stock and product liability
Common questions
Food manufacturing insurance FAQ
Are recall expenses part of every liability policy?
No. Product liability and the cost of withdrawing or recalling a product are different issues. Review exclusions and any separate recall coverage.
Will spoiled stock always be paid after a power failure?
No. Coverage depends on the cause, location, property and policy terms. Ask about spoilage and utility-service conditions.
Does business interruption cover every shutdown?
No. The policy may require physical damage from a covered cause and can contain time limits or exclusions.
Should goods in transit be listed separately?
Discuss transport, ownership and valuation. A property policy may treat goods in transit differently, so review the relevant coverage.
Start a conversation
Ask about food manufacturing insurance.
Share a few basic details and the team can help you take the next step. Please leave sensitive information out of this first message.