--- title: "Food and Beverage" description: "Food and beverage companies use Spot to buy product, recall, property and transit coverage before a co-packer, cold-storage contract, wholesale deal or taproom opening." canonical: "https://spot.insure/insurance-for/food-and-beverage" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-for/food-and-beverage) ## Agent Guide **What this page is:** Food and beverage companies use Spot to buy product, recall, property and transit coverage before a co-packer, cold-storage contract, wholesale deal or taproom opening. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Spot for Food and Beverage Companies Get quotes from food and beverage insurance providers with Spot. 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. - Products, co-packers and cold storage in one submission - Recall and spoilage terms read in every quote - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=product-liability&industry=food-and-beverage&icp=manufacturing). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **Tell us how your food gets to customers.** 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. 2. **Ask about recall before you need it.** 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. 3. **Answer distributor requirements.** Distributors and retailers send insurance requirements with their agreements. Spot checks them against your policies and gets your certificate ready. 4. **Keep lot records and policies together.** Your product schedule, co-packer agreements and policies stay in one place, so renewal and any incident report start from current records. ## Who we help - **Packaged food and beverage brands.** Your products reach customers through grocery, wholesale and direct channels, and your product liability application should name each one. - **Brands working with co-packers.** 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. - **Breweries, wineries and distilleries.** A taproom or tasting room brings guests on site, and the alcohol you serve has to be disclosed. - **Producers with temperature-sensitive stock.** Refrigeration failure or a warm truck can spoil inventory, and spoilage terms vary by form. ## Coverage - [Product liability](https://spot.insure/insurance/product-liability) - [Product recall](https://spot.insure/insurance/product-recall) - [Commercial property](https://spot.insure/insurance/commercial-property) - [Tools, equipment and inland marine](https://spot.insure/insurance/inland-marine) - [General liability](https://spot.insure/insurance/general-liability) - [Liquor liability](https://spot.insure/insurance/liquor-liability) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation) ## When to get this coverage - **You’re moving production to a co-packer.** Add the co-packer’s site, your stock held there and the products they make to the submission before the first run. - **You’re signing a cold-storage contract.** Before stock moves into a third-party cold store, ask what property, breakdown, spoilage and temperature conditions each quoted form includes. - **You’ve landed a wholesale or grocery order.** The buyer’s agreement can set product liability limits and additional insured wording. Check them before you ship. - **You’re opening a taproom or tasting room.** Seating, tastings, events, food prep and alcohol service all need describing for general liability and liquor liability. - **You’re hiring for production or delivery.** Kitchen, warehouse and delivery staff, including seasonal workers, need to be reported for workers’ compensation in each state. ## Common questions Also known as food business insurance, food company insurance, food manufacturer insurance, beverage company insurance, brewery insurance and food and drink insurance. ### What insurance does a food business need before wholesale? Distributors and retailers usually ask for product liability and a certificate naming them. Many food brands add product recall, property for stock and equipment, and inland marine for goods on the road, and a taproom brings liquor liability. Spot lines them up before the deal. ### Does product liability pay for a food recall? Don’t assume it does. Product liability and recall expense are separate questions. Spot asks for the exact forms and any recall sublimit. ### What should we send before opening a taproom? Describe the premises and how you serve guests: seating, tastings, food preparation, events, delivery, and whether you produce, sell or serve alcohol. ### Is spoiled stock covered if a freezer fails? That’s decided by the property and equipment breakdown terms, which vary between forms. Spot checks how each proposal treats temperature-sensitive stock and spoilage. ### How is Spot paid? Your Spot fee is monthly, tiered by what you spend on insurance each year, and never a commission on premiums. Your broker can keep placing your product and recall coverage, or you can switch to one who knows food and beverage. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/food-and-beverage.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)