Food Manufacturing Insurance

What kind of work do you do?
Drinks production plant.
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Why do food and beverage manufacturers need insurance?

From processing to packing, safety is a priority – but accidents still happen. Manufacturing insurance coverage provides peace of mind and helps you recover from costly incidents such as assembly line injuries, fires, theft, damaged machinery, and supply disruptions. Some policies, such as workers' compensation, are required by state law.

Food and beverage manufacturer inspecting bottles.
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Find affordable coverage

Food and beverage manufacturers can save money on insurance by comparing quotes from top-rated providers.

Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.

What types of insurance do food and beverage manufacturers need?

These insurance policies cover the risks of food and drink manufacturing.

General liability insurance icon

General liability insurance

A general liability policy covers a range of basic food and beverage manufacturing risks, such as customer injuries, customer property damage, and product liability lawsuits.

  • Slip-and-fall accidents
  • Damaged customer property
  • Product liability insurance
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for food manufacturing businesses to buy general liability coverage and commercial property insurance together.

  • Customer lawsuits
  • Business property coverage
  • Business interruption incidents
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for food and beverage manufacturers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
Cyber insurance icon

Cyber insurance

Cyber insurance helps food and beverage manufacturers recover from data breaches and cyberattacks. It's recommended for any business that stores customer information.

  • Customer notification costs
  • Fraud monitoring services
  • Data breach investigations
Commercial auto insurance icon

Commercial auto insurance

This policy covers the cost of an accident involving a vehicle owned by your food or beverage manufacturing business. Almost every state requires this coverage for vehicles owned by a business.

  • Medical bills from an accident
  • Property damage caused by your vehicle
  • Auto accident lawsuits
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Umbrella insurance boosts coverage on a manufacturer's general liability insurance, commercial auto insurance, or employer’s liability insurance once the limit is reached.

  • Customer injury lawsuits
  • Auto accident lawsuits
  • Employee injury lawsuits
Looking for different coverage? See more policies.

How much does insurance cost for manufacturers?

Manufacturing business owner making cost calculations on a calculator.

A small food processing business can expect to pay less for insurance than a large manufacturing plant.

Factors that affect premiums include:

View Costs

How do I get food and beverage manufacturer insurance?

It's easy to get food and beverage manufacturer insurance if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for your manufacturing business, whether you work independently or hire employees.

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