Food Manufacturers Insurance
Affordable, online food manufacturers insurance that can protect your business and business equipment.
Benefits Of Food Manufacturers Insurance
Discover the benefits of food manufacturers insurance and how it can protect your business.
Customized Coverage
Your business faces a unique set of liability risks that require a unique set of liability coverages. With the Food Liability Insurance Program (FLIP), you can create a customized insurance plan perfectly designed to fit your business needs.
High Quality Protection
For just $25.92 per month, protect your business with up to $2 million in coverage for General and Product Liability as well as $10,000 in equipment coverage, not to mention free & unlimited additional insureds.
Easy Online Process
FLIP’s online application process is quick and easy, taking less than 10 minutes to complete. You also gain 24/7 access to your online portal, where you can view and print your certificate of insurance, make changes to your policy, and more.
Who Needs Food Manufacturers Insurance?
If you are a…
- Commercial bakery
- Dairy processor
- Beverage processor
- Pasta manufacturer
- Grain miller
- Snack food manufacturer
… then you need food food manufacturing insurance to protect your business from the expensive costs that come with claims. If your business isn’t listed, feel free to contact us today for a quote.
How Does Liability Insurance Work?
Liability insurance is designed to protect your food manufacturers business from the cost of claims. Just one liability claim can cost your business thousands of dollars and damage your professional reputation. With insurance, you can create a financial safety net to protect your business that allows you to continue working with peace of mind.
Food manufacturers insurance provides a variety of coverage options that can protect your business no matter where you are. Don’t let the cost of claims halt your manufacturing operation. Get a FLIP policy today!
How Much Does Insurance For Food Manufacturers Cost?
The cost of food manufacturing insurance starts at $25.92 per month or $299 per year. This is the base policy with the base insurance limits. In order to make your policy more personalized to your business you can increase the insurance limits and add additional coverages like a trailer endorsement, inland marine insurance, or cyber liability insurance. This, as well as your gross income, can affect your overall price.
Let's Talk About Numbers for Food Manufacturers Insurance
Food Manufacturers Insurance Coverage Details
General Liability
Aggregate Limit: $2M
Protect your business from paying for third-party bodily injury and property damage claims. It can also protect against claims regarding products-completed operations, personal and advertising injury, and more.
Product Liability
Aggregate Limit: $2M
Product Liability Insurance is designed to protect your business from the cost of food borne-illness. As a food industry business, you run the risk of making a customer sick from your food, whether from foodborne illness, unlabelled allergens, or more.
Inland Marine (Tools & Equipment)
Aggregate Limit: $10K
Protect your business from the cost of repairing or replacing broken or stolen business equipment. FLIP’s food manufacturers insurance policy offers two coverage options for Inland Marine that you can choose from according to your needs.
Damage to Premises Rented
Aggregate Limit: $300K
If you operate your business out of a rented commercial kitchen, or participate in events, you need insurance that protects you from paying for damages that might occur. It’s common practice for property owners and event managers to require businesses to include them as an additional insured. FLIP provides unlimited additional insureds for free.
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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
Business Personal Property\ Inland Marine Limit (Any One Article/ Aggregate)
$5,000/$10,000
Business Personal Property\ Inland Marine Limit (Per Occurrence) – Deductible
$250
Medical Expense Limit
$5,000
Food Manufacturers Insurance Frequently Asked Questions
Food manufacturing insurance protects your food manufacturing business from the cost of claims associated with the industry. This type of insurance provides business owners with liability insurance that protects from the cost of third-party injury and property damage claims.
The costs of claims can include attorney fees, medical fees, equipment replacement costs, and other miscellaneous fees that can occur with claims.
Here are 10 reasons why FLIP is the right insurance for your business. FLIP provides your food manufacturing business with:
- No Quote Process
- 24/7 Access to Policy Documents
- Convenient Online Purchasing
- Insurance Licensed In All 50 States
- General Liability
- Products and Completed Operations Coverage
- Personal and Advertising Injury Coverage
- Damage to Premises Rented Coverage
- Business Personal Property Coverage
- Additional Coverage Options
Food manufacturers can face a bevy of risks that have the potential to financially devastate their business. Listed below are examples of 3 different types of risks that food manufacturers could potentially face and insurance could help cover:
- Your food manufacturing plant packages vegetables from the local farms in your area then sends them to farmers markets across the county. Unfortunately, you had a batch of produce go out that wasn’t washed correctly and caused several purchasers to fall sick with food poisoning. They sue your business for the mishandling of the product. Food manufacturing insurance can help mitigate or even eliminate the out-of-pocket costs associated with the claim.
- At your beverage processing facility you pride yourself in a safe work environment. However, accidents aren’t always avoidable and while giving a tour, a customer slips on some spilled liquid and injures their wrist. They sue you for the injuries and you’re held liable for their medical bills.
- During a heavy monsoon season, your region experiences intense flooding. Unfortunately, your grain milling facility is affected and the flooding damages your expensive and crucial equipment. Insurance for food manufacturers can help repair or replace the damaged equipment.
