Tailored PRODUCT Solutions for the

Food & Beverage Industry

Running a food and beverage establishment involves serving up more than just great meals—it requires careful management of risks that are unique to the industry. From protecting your staff and customers to safeguarding your premises and reputation, our tailored insurance solutions are designed to keep your business thriving, no matter what challenges arise.

A wide range of insurance solutions for your F&B establishment needs

Every F&B establishment is unique, whether you operate a bustling café, a fine-dining restaurant, or a food truck. We provide comprehensive insurance solutions customized to the specific needs of your business, ensuring you’re protected against everyday risks and unforeseen events.

General Liability Insurance

Covers legal claims arising from injuries or property damage at your establishment.

coverage includes

Bodily Injury Coverage
Protects against medical expenses and legal costs if a customer or employee is injured on your premises.
Property Damage Coverage
Covers damages caused to customers' property during their visit.
Personal & Advertising Injury
Protects against claims such as defamation or copyright infringement.

Property Insurance

Protects your physical assets, including your building, equipment, and inventory.

coverage includes

Building Coverage
Covers damages to your property from events like fires, storms, or vandalism.
Equipment Breakdown Coverage
Protects against repair or replacement costs for essential equipment like refrigerators and ovens.
Inventory Coverage
Safeguards against loss or spoilage of perishable stock due to covered events.

Business Interruption Insurance

Provides financial support if your business operations are halted due to a covered event.

coverage includes

Lost Revenue Coverage
Compensates for income lost while your business is closed.
Operating Expenses Coverage
Covers ongoing costs like rent, utilities, and payroll during downtime.

Liquor Liability Insurance

Protects your establishment if alcohol service results in a legal claim.

coverage includes

Third-Party Injury Coverage
Covers damages if an intoxicated patron causes harm to others.
Defense Costs Coverage
Covers legal expenses related to liquor liability claims.

Workers’ Compensation Insurance

Ensures your employees are protected in case of workplace injuries or illnesses.

coverage includes

Medical Expense Coverage
Covers costs for employee injuries sustained at work.
Wage Replacement Coverage
Provides income for employees unable to work due to injury.

Cyber Liability Insurance

Protects against financial losses resulting from cyberattacks and data breaches.

coverage includes

Data Breach Coverage
Covers costs related to customer data breaches.
Business Recovery Coverage
Covers expenses to restore operations after a cyberattack.

Industry Statistics

31%

of all claims in the F&B Industry in 2024

were categorized as 'Accidents Causing Damage,' making it the leading type of insurance claim.

$3,385

Average Payout

for an insurance claim in the food and beverage sector in 2024.

48%

of Food and Beverage Companies

identify business interruption as their primary internal risk, ahead of supply chain issues and labor shortages.

Safeguard Your F&B Establishment Today.

Contact us to explore how our tailored insurance solutions can protect your business and ensure your success in the food and beverage industry.

Get In Touch