When you're in the food industry, having the right coverage can safeguard your livelihood. Food industry business insurance protects against a range of risks, from customer slips to food spoilage. Whether you own a restaurant, bakery, or catering service, this insurance covers your specific needs and helps you focus on growing your business.
Bakeries & Pastries
Candy Shops
Catering Trucks
Cheese & Creamery Butter Manufacturers
Caterers
Chocolate Manufacturers
Doughnut Shops
Food Stores
Fast Food Restaurants
Fruit and Vegetable Juice Manufacturers
Grocery Stores & Delis
Grocery Distributors
Hot Dog Vendors
Ice Cream Stores
Juice Bars
Mexican Restaurant
Organic Food Stores
Organic Restaurant
Pizza Shops
Pickled, Sauces, Seasonings
Pretzel Shop
Restaurants
Sandwich Shop
Dehydrated Fruits / Vegetable Manufacturers
Wineries
General liability insurance for the food industry covers accidents and injuries that can happen on your premises. For example, if a customer slips and falls on a wet floor in your restaurant, your policy would cover their medical costs and any legal fees if they file a lawsuit.
Claim Example:
A customer in your café slips on a spilled drink and breaks their arm. The customer files a lawsuit for medical expenses and lost wages. Your general liability policy helps cover the $50,000 settlement and legal fees.
A Business Owner's Policy (BOP) for the food industry combines general liability and property insurance in one convenient package. It covers both liability risks and the loss of equipment, inventory, or your building. For instance, if a fire damages your restaurant kitchen, your BOP would help cover repair costs and loss of income during the downtime.
Claim Example:
A fire breaks out in your bakery, damaging ovens and ruining all inventory. The BOP policy covers $100,000 in property damage and also provides compensation for the income lost while your business is closed for repairs.
Commercial auto insurance in the food industry covers vehicles used for business, such as delivery vans or catering trucks. If your delivery driver is involved in an accident while making deliveries, this policy would cover repairs, medical expenses, and potential legal fees.
Claim Example:
Your catering truck is involved in a collision while transporting food to an event. The accident results in $15,000 worth of damage to your vehicle and medical expenses for the other driver. Your commercial auto insurance covers the vehicle repairs and $25,000 in medical costs and legal fees.
With access to over 240 carriers, USA Insurance is equipped to get you the best rate for food industry insurance. Our USA-based customer service team, located in Burbank, CA, is available to provide live support. Get a quote and buy a policy online in minutes.
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