Food Manufacturer Insurance
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Specialist Insurance for Food Manufacturers and Food Production Businesses
Food manufacturers face a wide range of risks, from equipment breakdowns and product recalls to liability claims and interruptions to production. Whether you produce bakery products, dairy products, beverages, ready meals or specialist food products, having insurance that reflects the way your business operates is an important part of managing those risks.
At 1st Choice Insurance, we help food manufacturers across the UK arrange insurance through our panel of insurers. We take the time to understand your business, explain the insurance options available and help you arrange cover that reflects your production processes and business activities.
Whether you’re an established food manufacturer or a growing food production business, our team is here to help.
Get a Food Manufacturer Insurance Quote
Our experienced advisers will discuss your business, explain the insurance options available through our panel of insurers and help you arrange cover that reflects your requirements.
Call us today on 03300 198411 or fill out our quote form below.
What is Food Manufacturer Insurance?
Food Manufacturer Insurance is a specialist business insurance solution designed for businesses involved in producing, processing or packaging food products.
Food production businesses often face different risks to other manufacturers due to strict food safety requirements, complex supply chains and specialist production equipment.
Depending on your business and the policy selected, insurance may include cover for:
- Production facilities and factory buildings
- Manufacturing machinery and equipment
- Raw ingredients and finished stock
- Employers’ Liability
- Public and Product Liability
- Business Interruption
- Goods in Transit
- Product Recall
- Cyber Insurance
- Legal Expenses
The cover available will vary between insurers and individual policies.
Who Can Benefit from Food Manufacturer Insurance?
Food Manufacturer Insurance can often be arranged for businesses including:
- Commercial bakeries
- Dairy producers
- Beverage manufacturers
- Soft drink manufacturers
- Confectionery manufacturers
- Meat and poultry processors
- Seafood processors
- Ready meal manufacturers
- Frozen food manufacturers
- Sauce and condiment producers
- Vegan and plant-based food manufacturers
- Organic food producers
- Food ingredient manufacturers
- Private label food manufacturers
Whether you supply supermarkets, wholesalers, retailers or direct to consumers, insurance can often be arranged to reflect the way your business operates.
What Can Food Manufacturer Insurance Include?
The cover available will depend on your insurer and the policy selected.
Product Liability Insurance
Product Liability Insurance is designed to help protect your business if a product you manufacture causes injury or property damage and your business becomes legally liable.
This may include claims relating to:
- Food contamination
- Incorrect allergen labelling
- Foreign objects in food
- Unsafe food products
Product Recall Insurance
Product Recall Insurance may contribute towards certain costs associated with recalling products from the market following an insured event, depending on the policy selected.
This may include costs relating to:
- Customer notifications
- Transportation
- Product disposal
- Crisis management support
Public Liability Insurance
Public Liability Insurance is designed to help protect your business if a third party suffers injury or property damage in connection with your business activities and your organisation becomes legally liable.
Commercial Property Insurance
Commercial Property Insurance may provide cover for your buildings, production facilities and business contents following insured events such as fire, flood, storm damage or theft, subject to the policy terms.
Machinery and Equipment Insurance
Food manufacturers often rely on specialist machinery to maintain production.
Depending on the policy selected, insurance may provide cover for machinery and equipment against certain insured events.
Business Interruption Insurance
Business Interruption Insurance may help with certain financial losses if your business cannot trade following an insured event, subject to the policy wording, indemnity period and conditions.
Employers’ Liability Insurance
If your business employs staff, Employers’ Liability Insurance is generally a legal requirement unless an exemption applies.
It is designed to help protect your business if an employee suffers a work-related injury or illness and your organisation becomes legally liable.
Goods in Transit Insurance
Goods in Transit Insurance may provide cover for stock while it is being transported between locations, subject to the policy terms.
Benefits of Food Manufacturer Insurance
Having appropriate insurance in place can help businesses manage many of the risks associated with food production.
Depending on the cover selected, it may help:
- Provide financial protection following certain insured events
- Support business continuity if production is interrupted
- Protect machinery and equipment against insured events
- Respond to liability claims where your business becomes legally liable
- Contribute towards certain product recall costs
- Meet contractual insurance requirements
- Support your wider risk management strategy
Factors That Can Affect the Cost of Food Manufacturer Insurance
Every food manufacturing business is different, which means insurance premiums will vary depending on your individual circumstances.
Insurers may consider factors including:
- The type of food products you manufacture
- Your production processes
- Annual turnover
- Number of employees
- Value of machinery and equipment
- Value of stock and raw ingredients
- Claims history
- Risk management procedures
- Security measures
- Business location
Providing accurate information helps insurers assess the risks associated with your business.
Frequently Asked Questions about Food Manufacturer Insurance
Do food manufacturers need specialist insurance?
Many food manufacturers choose specialist insurance because their businesses often face risks that differ from those of other manufacturing sectors.
Can Product Recall Insurance be included?
Depending on the insurer and policy selected, Product Recall Insurance may be available as part of your insurance policy or as an optional cover.
Is Employers’ Liability Insurance required?
If you employ staff, Employers’ Liability Insurance is generally a legal requirement unless an exemption applies.
Does Food Manufacturer Insurance cover machinery?
Depending on the policy selected, insurance may provide cover for manufacturing machinery and equipment against certain insured events.
Can small food manufacturers arrange insurance?
Insurance can often be arranged for businesses of different sizes, from small artisan producers to larger food manufacturing companies, subject to insurer acceptance.
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