Food Manufacturers Insurance
Get food manufacturers insurance online in minutes for business protection you can rely on.
The Top Choice for Food Manufacturing Insurance
From small-batch producers to growing packaged food brands, get comprehensive coverage that keeps up with how you make and sell your products.
Customizable Coverage
Create a customized insurance plan that covers your unique production risks.
A- Rated Protection
Backed by top-rated carriers, your policy protects your business financially so you can focus on perfecting your product.
Free Online Quote
Buy online, download your certificate of insurance (COI) instantly, add additional insureds, and manage coverage from your dashboard 24/7.
What Is Food Manufacturer Insurance?
Food manufacturers insurance is designed to cover liability claims related to your food or beverage business. From the production line to store shelves and into customers’ hands, your products — and operations — can cause harm to others.
Insurance can provide essential financial support if your business is found liable for common claims, including:
- Third-party bodily injury
- Third-party property damage
- Personal and advertising injury
- Product-related damages, like foodborne illness or allergic reactions
In short, if your products injure someone else, food manufacturers insurance can cover the cost of claims, legal fees, and damages, so you can keep your business running as smoothly as possible.
Who Needs Food Manufacturing Insurance?
Any business that makes and sells food or beverage products for consumption needs food manufacturing insurance. You likely need coverage if you:
- Produce packaged or processed food products
- Sell wholesale to retailers, distributors, or restaurants
- Operate under cottage food laws or commercial kitchens
- Use co-packers or shared kitchens
- Sell in person or online
A few examples of businesses that need this coverage include:
- Commercial bakeries
- Dairy processors
- Beverage processors
- Pasta manufacturers
- Snack food manufacturers
- Pet food manufacturers
- Grain millers
Don’t see your industry? We may still cover your business! Contact us today for a quote.
What Types of Insurance Do Food Manufacturers Need?
FLIP’s food manufacturers policy includes essential coverages, with options for add-ons, to protect your business from common risks. To meet retailer or vendor contract requirements, you typically need product and general liability insurance.
Key Coverages for Food Manufacturers
- Product liability: Designed to cover illness or injury caused by your food products
- General liability: Can cover third-party injuries or property damage
- Products-completed operations: Helps cover claims after your product is sold
- Additional insured: Required by many retailers and distributors
Coverage Type | What It Covers | Example Claim | Included in FLIP’s Food Manufacturers Policy? |
Bodily injury or property damage caused by your business operations (not the product itself) | A delivery driver slips on a wet floor in your production space and gets injured | ✅ | |
Illness, injury, or damage caused by the food products you manufacture, package, or sell | A customer claims your packaged sauce caused food poisoning and files a lawsuit | ✅ | |
Non-physical damages like copyright, libel, or misleading advertising claims | Another brand claims your packaging or marketing infringes on their trademark | ✅ | |
Claims that arise after your product has been sold or consumed | A retailer reports that customers had allergic reactions due to undeclared allergens | ✅ | |
Limited coverage for accidental damage to a rented production space | You accidentally start a small fire in a shared commercial kitchen, damaging the facility | ✅ | |
Accidents involving vehicles used for business purposes, such as deliveries | You’re in an accident while delivering products to a retailer or distributor | ✖️ (optional) | |
Costs related to data breaches or cyberattacks | Your ecommerce site is hacked, exposing customer payment or order data | ✖️ (optional) | |
Claims related to advice, consulting, or instruction | You provide formulation or labeling guidance, and a client claims it caused financial loss | ✖️ (optional) | |
Coverage for movable equipment used in your business | Your packaging equipment is stolen from your secured production space | ✖️ (optional) | |
Coverage for employee injuries or illness on the job (often required by state) | An employee is burned while operating equipment in production | ✖️ (optional) |
Coverage Type | What It Covers | Example Claim |
Included in FLIP’s Food Manufacturers Policy? ✅ | Bodily injury or property damage caused by your business operations (not the product itself) | A delivery driver slips on a wet floor in your production space and gets injured |
Included in FLIP’s Food Manufacturers Policy? ✅ | Illness, injury, or damage caused by the food products you manufacture, package, or sell | A customer claims your packaged sauce caused food poisoning and files a lawsuit |
Personal and advertising injury Included in FLIP’s Food Manufacturers Policy? ✅ | Non-physical damages like copyright, libel, or misleading advertising claims | Another brand claims your packaging or marketing infringes on their trademark |
Included in FLIP’s Food Manufacturers Policy? ✅ | Claims that arise after your product has been sold or consumed | A retailer reports that customers had allergic reactions due to undeclared allergens |
Damage to premises rented to you Included in FLIP’s Food Manufacturers Policy? ✅ | Limited coverage for accidental damage to a rented production space | You accidentally start a small fire in a shared commercial kitchen, damaging the facility |
Included in FLIP’s Food Manufacturers Policy? ✖️ (optional) | Accidents involving vehicles used for business purposes, such as deliveries | You’re in an accident while delivering products to a retailer or distributor |
Included in FLIP’s Food Manufacturers Policy? ✖️ (optional) | Costs related to data breaches or cyberattacks | Your ecommerce site is hacked, exposing customer payment or order data |
Included in FLIP’s Food Manufacturers Policy? ✖️ (optional) | Claims related to advice, consulting, or instruction | You provide formulation or labeling guidance, and a client claims it caused financial loss |
Tools and equipment (inland marine) Included in FLIP’s Food Manufacturers Policy? ✖️ (optional) | Coverage for movable equipment used in your business | Your packaging equipment is stolen from your secured production space |
Included in FLIP’s Food Manufacturers Policy? ✖️ (optional) | Coverage for employee injuries or illness on the job (often required by state) | An employee is burned while operating equipment in production |
How Much Does Insurance for Food Manufacturers Cost?
With FLIP, the cost of food business insurance starts at $25.92 per month or $299 per year.
Your final pricing is based on your business details and the coverages you select.
Factors That Affect the Cost of Food Manufacturers Insurance:
- Your business size
- Your annual income
- Your business location
- Optional coverage add-ons
How Do I Purchase Food Production Insurance?
Need to show proof of insurance to meet retailer or vendor requirements? With FLIP, get same-day coverage in a few clicks.
- Start the online purchase process
- Select your business type and gross annual income
- Add the optional coverages you need
- Get your free quote
- Check out and get your instant certificate of insurance (COI)!
Hear It From Food Businesses Like Yours
Here’s why others love FLIP in their own words.
Coverage Details Limits
General Liability Aggregate Limit
$2,000,000
Products – Completed Operations Aggregate Limit
$2,000,000
Personal and Advertising Injury Limit
$1,000,000
General Each Occurrence Limit
$1,000,000
Damage to Premises Rented to You Limit (Any One Premises)
$300,000
Liability Deductible
NO DEDUCTIBLE
Inland Marine Limit (Any One Article / Aggregate)
$5,000/$10,000
Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
FAQs About Food Processing Insurance
Is Food Manufacturers Insurance Required by Law?
Food manufacturers insurance is not legally required in the United States. However, with increasing regulations and laws surrounding food production, the FDA strongly recommends that businesses carry food handling insurance that covers product liability claims.
What Insurance Do You Need to Make Food?
At a minimum, most food manufacturers need product and general liability insurance to protect against claims like foodborne illness, allergens, or other third-party injuries. Depending on your business setup, you may also need coverage for your equipment, employees, cyber liability, and more.
Will This Meet Retailer or Distributor Requirements?
Most retailers and distributors require a set minimum liability limit and additional insured status. FLIP’s food manufacturer insurance includes a $2 million aggregate limit with free, unlimited additional insureds, so you can confidently meet common requirements.
Can I Add Equipment Breakdown or Business Interruption Coverage?
If you need additional coverage for equipment breakdown or business interruption, contact us! Our licensed, U.S.-based team is happy to create a custom plan beyond standard FLIP coverage that suits your business needs.