Protecting Your Food and Beverage Manufacturing Business with Confidence
The Allen Thomas Group has over 20 years of experience providing customized insurance solutions to food and beverage manufacturers.
As an independent insurance agency, we take the time to understand your business, identify potential risks, and offer coverage options to protect your company.
Our clients benefit from our extensive industry knowledge and commitment to personal service. We have helped manufacturers like yours properly insure their property, operations, products, and more.
Don’t put your livelihood at risk – let our experienced team review your risks and provide expert recommendations tailored to your needs.
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Food and Beverage Manufacturing Insurance Coverage Customized Solutions for Every Need
We offer customized property & casualty solutions designed specifically for companies like yours. Coverage options include:
Property Insurance – Protects your buildings, equipment, inventory, and more from losses due to fire, severe weather, theft, vandalism, and other perils. Ensures you can repair or replace damaged assets.
General Liability Insurance – Covers legal liabilities resulting from bodily injury or property damage caused to third parties. Includes product liability arising from food contamination, spoilage, or equipment breakdown.
Cyber Liability Insurance – Protects against data breaches, computer hacking, viruses, and other cyber incidents that put private data at risk. Provides coverage for legal claims, fines, forensic investigations, credit monitoring, and PR crisis management.
Workers Compensation Insurance – Covers lost wages and medical care for employees injured on the job. State-mandated for nearly all employers.
Business Interruptions – Replaces income lost due to suspended operations from covered events like natural disasters, equipment failures, or loss of utilities. Keeps you afloat until back up and running.
Inland Marine – Insures mobile equipment like forklifts, pallet jacks, tools, and laptops that leave your premises.
Commercial Auto – Protects company vehicles from accident liability and physical damage claims. State-mandated minimum liability limits apply.
Benefits of Food and Beverage Manufacturing Insurance
The risks involved in manufacturing food, beverages and ingredients can significantly impact your finances and reputation.
By transferring these risks over to a manufacturing insurance policy, you gain peace of mind knowing that you have financial protection in place. Key benefits include:
Reduced Financial Risk – Insurance keeps your business viable when catastrophic events like fires, accidents or product recalls occur. Protect your valuable assets and recover quicker without straining your finances.
Improved Risk Management – Our risk management guidance helps you proactively identify and mitigate potential threats before they occur. This enables smarter decisions that reduce overall risk.
Enhanced Customer Confidence – Demonstrating you carry adequate coverage reassures customers that you operate safely and can deliver quality products consistently, without supply chain issues arising from uninsured events.
Attract and Retain Top Talent – Offering robust insurance benefits like health insurance, disability insurance and retirement plans helps recruit and retain the very best talent. This gives you a competitive advantage.
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Unparalleled Service and Expertise for Food Manufacturers
We go the extra mile to provide you with the best possible coverage.
What sets The Allen Thomas Group apart is our dedication to protecting your interests.
Our advisors take time to walk the floors of your facilities, fully understand your processes, and determine where you are exposed.
We offer hands-on risk management guidance to help avoid claims. And in the event you do need to file a claim, we aggressively defend and represent you every step of the way.
Our close relationships with top insurance carriers allow us to negotiate the most comprehensive policies at competitive rates. We are your advocates, acting in your best interest to structure optimal insurance solutions. You can trust us to be your guides, advisors, and partners.
The Allen Thomas Group partners with respected insurers like Liberty Mutual, AmTrust, The Hartford, and Travelers to surround your business with protection at competitive rates.
Getting The Right Insurance For Food and Beverage Manufacturers
We know how frustrating and complex the process of finding the right coverage can be and how it slows down your production.
Let us help fix it for you in 3 easy steps.
Tell us about your specific needs and we will find the right policy for you.
Review the results of our search.
We will walk you through your new policy step by step.
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Our Carrier Partners
That allows us to find the best rates for US manufacturing companies
Get a Free Quote To Get the Right Coverage for Your Food and Beverage Manufacturing Company
Contact The Allen Thomas Group today at (440) 826-3676 to discuss your insurance needs.
We will review your current coverages, identify potential gaps, provide expert recommendations, and deliver a customized quote for your approval.
There is no obligation to purchase – the review is totally free.
Protect your livelihood and gain peace of mind knowing your food or beverage manufacturing business is covered. Request a free quote now!
Resources: Additional Information and Frequently Asked Questions
Additional Insured – An interested party added to an insurance policy to grant them coverage benefits.
Claims Made – Policy covers claims first made against the insured during the policy period.
General Aggregate Limit – Total amount the policy will pay out in a year for all covered losses.
HACCP – Hazard Analysis and Critical Control Points processes addressing health, safety, and food defense.
Loss Cost – Historical measure of risk that helps determine annual premiums.
Underwriting – Process of evaluating and pricing risks for insurance policies.
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There are several types of insurance policies that could be relevant to food and beverage manufacturers, such as General Liability Insurance, Product Liability Insurance, Business Property Insurance, Workers Compensation, Commercial Auto Insurance, Equipment Breakdown Insurance and Business Interruption Insurance.
Having insurance can protect the business from various risks such as property damage, equipment breakdowns, product liability claims (e.g., if someone gets sick from consuming their products), worker injuries on the job site, and business interruptions caused by unforeseen events.
How does data factor into determining the cost of insurance premiums for a food or beverage manufacturing business?
Insurers use data about the size of your business, its location, number of employees, type of work performed and past claim history to determine risk levels and set premium costs. The more perceived risk based on this data analysis, the higher the premium may be.
A company can potentially lower its insurance costs by implementing safety measures to reduce workplace accidents and product recalls; maintaining well-kept records showing safety training efforts; installing up-to-date equipment; keeping premises secure against thefts and break-ins; conducting regular inspections; maintaining good credit scores etc.
You will typically need to provide details about your business such as its location(s), number of employees you have (and their roles), what kind of foods or beverages you manufacture (along with ingredients used), any machinery equipment utilized in production process etc., along with financial information like annual revenue.