Business Insurance for the Food & Beverage Industry

You are working hard every day and whether you own a restaurant, bakery, coffee or ice cream shop we all know that food businesses can be challenging. Good news, we can help take a load off your shoulders by assisting you in finding the right coverage for your food or beverage business.

We can protect you in many situations from replacing spoiled food caused by a failed refrigerator or a lawsuit from a customer who gets sick from contaminated foods. A business insurance policy can help cover unexpected costs and allow you to continue to operate.

Business property

General liability

Business income

Equipment breakdown

• You Can't Open Your Business

  Your business is damaged due to a fire and you cannot operate until repairs are made.

  • Business Income And Extra Expense Coverage – This coverage helps with loss of income and fixed expenses, such as rent or payroll, while your business is temporarily closed for repairs after a covered loss. This coverage provides your business with up to 12 months of coverage.

• Building Or Property Damage

  If your business building or business property are destroyed due to a covered loss, such as a fire or theft, costs could add up quickly.

  • Business Building/Personal Property Coverage – This coverage pays to repair or replace your owned business building and/or your business personal property, up to the limits you select.

• Employee Dishonesty

  Your business receives checks, credit card payments and sometimes cash for work that you do. When reviewing the monthly receipts, you notice that the deposits were lower than usual.

  • Employee Dishonesty Coverage – This coverage helps pay for a loss if an employee steals money or property from your business. This may be an optional coverage.

• Oven Breaks Down in Your Shop

  The oven at your business location breaks down due to a power surge, and you are unable to prepare the food and you lose your entire inventory due to spoilage.

  • Equipment Breakdown Coverage – This coverage helps pay for your company's expenses resulting from the sudden breakdown of machinery or other equipment.

• Computer Virus Attack

  You get an email from a client, but you open it to discover that it contains a virus.

  • Electronic Data Coverage – This provides coverage for repairing and restoring data due to harmful code that damages or destroys any part of your company's computer system. This coverage is included in a basic BOP, but you have the option to increase coverage limits.

• Power Outage

  A transformer blows and you lose power to your business.

  • Spoilage Coverage – This coverage helps reimburse you for perishable items that spoil due to a power outage.

• Stolen Cash

  Money is stolen from your business in a burglary or theft could lead to hardship.

  • Money And Securities Coverage – This optional coverage helps protect your business against loss of money or securities due to theft, disappearance or destruction. This coverage may provide reimbursement whether the loss occurred on or off your business premises.

• Contaminated Food

  Your shut down by the health department due to food contamination.

  • Food Contamination – This coverage helps pay to clean equipment and replace contaminated food if your business is shut down by the health department. It may also reimburse you for lost business income and other expenses while your company is shut down.

• Billing Records Are Destroyed

  There is a fire and your company's billing records are destroyed. This makes it difficult for you to collect payments from customers.

  • Accounts Receivable Protection – This covers the increased cost of collecting payments and the expense of reestablishing the records of accounts receivable.