Food manufacturers work with foodborne risks, recall potential, expensive machinery, and supply chain interruptions. Key insurance types include:
- Commercial Property Insurance – Protects your plant, production equipment, and inventory from fire, spoilage, theft, or damage.
- General & Product Liability Insurance – Covers legal expenses if a product causes harm or contamination.
- Product Recall Insurance – Crucial in food manufacturing. Covers the direct costs associated with recalling products, including notification, removal, disposal, and crisis management. It also helps with lost income during the recall.
- Equipment Breakdown Coverage – Pays for repair or replacement of damaged machinery, reducing downtime.
- Workers’ Compensation – Required in most states; covers employee injuries like burns or slips in industrial environments.
