Food Manufacturers Insurance
Protect your business and equipment with affordable food and beverage manufacturing insurance from FLIP.
Benefits of Food Production Insurance
Food manufacturing companies need comprehensive and reliable insurance coverage for their products, equipment, and more. Find out why Food Liability Insurance Program (FLIP) is the right choice for food processing insurance.
Customized Coverage
Every business faces different kinds of risks, which is why you need liability coverage that fits your needs. With FLIP, you can create a customized insurance plan that covers what’s important to you.
High-Quality Protection
With an A+ rating, FLIP offers proven, secured coverage to safeguard your business. We give you superior protection that you can rely on.
Easy Online Process
FLIP’s online application process takes 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.
What Is Food Manufacturing Insurance?
Food manufacturing insurance is liability insurance that protects food professionals from the cost of third-party injury and property damage claims related to their daily business operations.
This includes attorney fees, medical fees, equipment replacement costs, and other miscellaneous fees.
Who Needs Food Manufacturing Insurance?
- Commercial bakeries
- Dairy processors
- Beverage processors
- Pasta manufacturers
- Grain millers
- Snack food manufacturers
If your business isn’t listed, feel free to contact us today for a quote.
How Much Does Insurance for Food Manufacturers Cost?
The cost of the food manufacturing insurance starts at $25.92 per month or $299 per year. Factors impacting the cost of insurance for food manufacturers include things like your business size, revenue, and location, as well as any add-ons you want.
For example, you can personalize your policy to suit your business. Explore options that allow you to increase your insurance limits and add additional coverages like a trailer endorsement, inland marine insurance, or cyber liability insurance.
Let's Talk About Numbers for Food Manufacturers Insurance
Food Manufacturers Insurance Coverage Details
General Liability
Aggregate Limit: $2,000,000
Protect your food manufacturing business from third-party bodily injury and property damage claims. FLIP can also cover claims regarding products-completed operations, personal and advertising injury, and more.
Product Liability
Aggregate Limit: $2,000,000
As a food manufacturer, you’re open to risks associated with your products. If a customer contracts a foodborne illness or has an allergic reaction, you may be responsible for covering the bill. Product liability insurance can help absorb the cost of these claims.
Inland Marine (Tools and Equipment)
Aggregate Limit: $10,000
If your business-essential tools are broken or stolen, the loss could severely impact your ability to produce. FLIP’s food manufacturers insurance offers two options to fit your unique needs and protect your equipment from losses like these.
Damage to Premises Rented
Aggregate Limit: $300,000
No matter how careful you are, accidents can happen. Most commercial kitchen owners and event managers will require you to carry liability insurance when you rent a space. FLIP provides unlimited additional insureds at no extra cost, protecting you and your partnerships.
Why Food Vendors Choose Us
Here's what other people have to say about their experience from over 312+ available reviews.
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
Frequently Asked Questions About Food Production Insurance
How Does Food Product Liability Insurance Work?
Food product liability insurance, also known as food processing insurance, can protect your manufacturing business from unexpected expenses.
Just one liability claim can cost your business tens of thousands of dollars and damage your professional reputation. Insurance helps you create a financial safety net, so you can continue working with peace of mind.
Choose from 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!
Why FLIP for Food Manufacturers Insurance?
Here are 10 reasons why FLIP is the right insurance for your business:
- Instant quote and 24/7 account access
- A+ rated insurance
- Top food liability insurance choice among food and beverage professionals
- Customer service by licensed agents
- Available nationwide*
- Comprehensive coverage you can tailor to your budget and business
- A safety net to cover your products and services
- Protection from libel and advertising claims
- Damage coverage for spaces you rent
- Safeguards for business-essential property
*FLIP is not currently available in Missouri.
What Risks Do Food Manufacturers Face?
When manufacturing food or beverages for consumption, you face an array of risks that have the potential to financially devastate your business. Below are a few examples of how liability insurance can help you:
- Your food manufacturing plant packages vegetables from local farms and sends them to farmers markets across the county. Unfortunately, a batch of produce wasn’t washed properly, causing several people to get food poisoning. They sue your business for mishandling the product. Food manufacturing insurance can help mitigate or even eliminate the out-of-pocket costs associated with the claim.
- While giving a tour of your beverage processing facility, a customer slips on some spilled liquid, injuring their wrist. They sue you for the injuries and you’re held liable for their medical bills. FLIP could help cover these costs.
- During a heavy monsoon season, your grain milling facility experiences severe flooding, damaging expensive and essential equipment. Insurance for food manufacturers can help repair or replace your damaged items.
