Insurance Programs for Food Processors

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All businesses are subject to risks that are well addressed by standard business insurance programs, but food processors have to contend with risks unique to the supply, preparation, storage, and delivery of a variety of food products. The Lapeer Agency has worked closely with dozens of food processors in Michigan to help them find the right combination of insurance protection.

A few of the unique insurance coverage options that food processors need to consider:

• Spoilage coverage
• Transit coverage
• Cost to remove labeling from salvaged food product packaging
• Loss of refrigeration
• Salesperson samples
• Products and Completed Operations
• Product recall

And even though the insurance protection options are standard to many business insurance policies, food processors may need higher limits or other insurance policy modifications:

• Employee vehicle use
• Business Interruption - income and expense coverage
• Business personal property for special equipment
• Workers Compensation
• Umbrella Liability for higher limits of liability insurance protection

Contact us for a consultation and insurance proposal

Related Resources:

• What Should I Know About Risk Management?
• Insurance for Business Offices
• Insuring Business Vehicles