Essential Business Interruption Insurance Coverage

Manufacturing downtime costs food producers thousands per hour. Recent market analysis shows recall severity rising due to inflationary pressures in transport, labor, and storage costs. Business interruption insurance covers lost income, ongoing expenses, and additional costs when covered perils halt production.

Our specialized coverage addresses equipment failures, contamination events, and supply chain disruptions that commonly affect food manufacturers. We work with you to determine appropriate coverage limits based on your production capacity and revenue streams.

Comprehensive Supply Chain Insurance Protection

Supply chain disruptions continue impacting manufacturers, with the food and beverage industry expected to grow at 6.3% annually through 2027. Supply chain insurance protects against supplier failures, transportation delays, and commodity price fluctuations.

This coverage becomes essential as manufacturers navigate global sourcing challenges, extreme weather events, and geopolitical disruptions affecting ingredient availability. Our policies can be tailored to your specific supply network and seasonal production cycles.

Critical Property Insurance and Equipment Breakdown Coverage

Food manufacturing facilities house specialized equipment worth millions. Property insurance protects buildings, machinery, and inventory against fire, severe weather, and other covered perils. Equipment breakdown insurance covers sudden mechanical failures that could halt production lines.

Modern production facilities rely heavily on digital systems, creating new cyber vulnerabilities. Our comprehensive property coverage includes cyber liability protection for manufacturing operations increasingly dependent on connected equipment and data systems.

Product Liability Insurance for Food Safety Compliance

CDC estimates show 48 million Americans fall ill from foodborne diseases annually, creating significant lawsuit exposure for food producers. Product liability insurance covers legal defense, settlements, and damages from contamination claims, allergic reactions, and foreign object injuries.

With FSMA 204 requiring enhanced traceability and HARPC compliance becoming more rigorous, having proper coverage demonstrates your commitment to food safety while protecting against regulatory violations and recall expenses.

Specialized Coverage for Modern Food Manufacturers

Beyond basic coverage, today's food manufacturers need protection against emerging risks:

• Contamination Insurance: Covers cleanup, product destruction, and lost income from contamination events

• Product Recall Insurance: Handles notification, retrieval, and disposal costs for defective products

• Cyber Liability Insurance: Protects against data breaches, recipe theft, and system disruptions

• Workers' Compensation Insurance: Covers employee injuries in manufacturing environments

• Commercial Auto Insurance: Protects delivery vehicles and mobile operations

Why Choose The Allen Thomas Group

For over 20 years, we've simplified the insurance process for food and beverage manufacturers across more than 20 states. Our local Akron expertise combined with national reach means you get personalized service backed by comprehensive market access.

We understand FSMA requirements, industry-specific risks, and the coverage gaps that can devastate unprepared manufacturers. Our risk management approach helps you maintain compliance while controlling insurance costs through proper coverage design and loss prevention strategies.