Spot for Food and Beverage Companies
We get quotes for your products and production sites, compare them with you and help you buy before you add a co-packer or taproom.
Your Spot team gathers your product and ingredient schedule, co-packers, suppliers, cold stores, carriers and sales channels, along with your lot coding and traceability practices.
As brokers bring back quotes, Spot asks about contamination terms, recall expense forms, sublimits and notice requirements, so you know which withdrawal costs a proposal includes.
Product liability insurance
Coverage limits · Policy terms
Alder Manufacturing
Distributors and retailers send insurance requirements with their agreements. Spot checks them against your policies and gets your certificate ready.
Product liability insurance
Alder Manufacturing · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
Your product schedule, co-packer agreements and policies stay in one place, so renewal and any incident report start from current records.
MorganAlder Manufacturing
Let’s prepare the information for your broker and compare the terms, not just the price.
Product liability insurance policy
Coverage terms · Limits
Share what you do, where you work, the policies you have and any contracts that ask for insurance.
Spot turns it into an application that describes your business the way insurers need to see it.
Spot handles the procurement, sending it to the insurers and markets that cover businesses like yours and chasing every quote.
We put the quotes side by side on limits, exclusions and terms as well as price.
You choose. Spot places the policy for you, and certificates are ready when a customer or landlord asks.
Your products reach customers through grocery, wholesale and direct channels, and your product liability application should name each one.
Your goods are made at someone else’s site, so your property schedule should list the stock there and your product coverage should include what they make.
A taproom or tasting room brings guests on site, and the alcohol you serve has to be disclosed.
Refrigeration failure or a warm truck can spoil inventory, and spoilage terms vary by form.
The policies companies like yours are usually asked for, and when each one comes up.
You sell packaged food or beverages through retail, wholesale, delivery, or direct-to-consumer channels.
Product recall insurance can pay specified costs to locate and withdraw a product after a covered problem. It fits businesses that could face recall logistics; product liability does not automatically pay those costs, so compare the trigger and covered expenses.
You store ingredients, packaging, finished goods, kitchen equipment, or refrigeration at a production site.
Ingredients or finished goods travel between a supplier, co-packer, cold store, distributor, and customer.
Customers visit a taproom, tasting room, restaurant, market stall, or food event.
Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service.
You hire kitchen, warehouse, delivery, or production employees.
Get quotes from 45+ food and beverage insurance providers with Spot.
Add the co-packer’s site, your stock held there and the products they make to the submission before the first run.
Before stock moves into a third-party cold store, ask what property, breakdown, spoilage and temperature conditions each quoted form includes.
The buyer’s agreement can set product liability limits and additional insured wording. Check them before you ship.
Seating, tastings, events, food prep and alcohol service all need describing for general liability and liquor liability.
Kitchen, warehouse and delivery staff, including seasonal workers, need to be reported for workers’ compensation in each state.
Also known as food business insurance, food company insurance, food manufacturer insurance, beverage company insurance, brewery insurance and food and drink insurance.
Get quotes from 45+ food and beverage insurance providers with Spot. Keep your broker or switch, with no commissions on premiums.
Get StartedRead these before you choose a policy or an insurer.
