Food Distributor Insurance
Protection for bulk food and beverage suppliers, from fresh to frozen.
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What Is Food Distributors Insurance?
Food distributors insurance is designed to protect your business if someone outside your company gets hurt or their property gets damaged. It’s a type of food liability policy that combines general and product liability coverage to take care of things like medical bills, legal fees, and repair costs if something goes wrong during or after the distribution of food and beverage products.
Protect Your Products
We cover a wide range of food and beverage products, including fresh produce, packaged goods, pet food, meal kits, and frozen foods.
Cover Common Claims
From delivery damages to foodborne illnesses, our liability coverage helps reduce (or eliminate) the cost of common claims.
Secure the Supply Chain
Safely work with manufacturers, restaurants, grocers, bakeries, schools, and more with free, unlimited additional insureds.
What Types of Food Distributor Insurance Coverage Do I Need?
Our base policy includes general liability and product liability insurance (with additional key coverages included) so you can focus on delivering fresh products to your clients.
Since no two food distribution operations are the same, we make it easy to personalize your policy with add-ons like:
How Much Does Food Distributor Insurance Cost?
A food distributor insurance policy starts at $25.92 per month or $299 per year.
The price of your policy premium can increase based on factors like your annual revenue, increased limits, or adding optional coverages.
Food Distributors Insurance Limits
This is the total amount your policy may pay out over a year if someone is hurt or something is damaged because of an accident at your business location, caused by your equipment, or your daily operations.
$2,000,000
This is the total amount your policy may pay for each individual claim where someone is injured or something is damaged due to your business operations.
$1,000,000
This is the total amount your policy may pay out over a year if someone is hurt or something is damaged because of the food you serve or products you sell, even after you’ve handed them off.
$2,000,000
This is the total amount your policy may pay out over a year for claims where someone says you hurt their reputation or violated their rights (not physically). That could include things like:
-Saying something that hurts their reputation (slander or libel)
-Accidentally using someone else’s ad idea
-Wrongful eviction or entry
-Holding someone without cause
-Malicious prosecution
$1,000,000
The most your policy will pay in a 12 month policy
If you rent a space and accidentally damage it or what’s inside, this is the total amount your policy may pay. For the first seven (7) days of your policy, you’re covered for all kinds of damage. After that, it only covers fire-related damage.obligated to pay due to your business and professional services.
$300,000
Good news: there’s nothing you have to pay out of pocket before liability coverage kicks in.
If someone gets hurt because of your business, this helps cover their medical bills, no matter who was at fault.
$5,000
Also known as inland marine insurance, this is the most your policy may pay (per incident / per year) to repair or replace stolen or damaged gear, equipment, or supplies (excluding items attached to your trailer or vehicle).
$5,000/$10,000
If you file a claim for damaged or stolen equipment, this is the amount you’ll need to pay before your insurance helps cover the rest.
$250
Questions About Food Distributor Insurance
You need food distributor insurance to meet your agreements with manufacturers and clients, handle any claims that come up, and keep your business running smoothly.
With the right coverage, you can focus on getting your products to customers without worrying about unexpected legal or financial problems.
If a customer gets sick from contaminated food you’ve distributed, product liability insurance can cover the costs of medical bills, legal fees, and damages. It ensures you’re protected against the financial fallout of foodborne illnesses, giving you peace of mind!
Distributors are responsible for claims of improper handling, storage, or delivery of a product, especially if it leads to injuries or damages.
However, anyone involved in the food handling process can be held responsible for a claim and named in a lawsuit, regardless of who is at fault. This means you could face legal defense costs for errors caused by the manufacturer. Food liability insurance is made to cover these costs, making it a vital protection for your business.
Yes, you need special coverage to transport frozen or perishable goods. Inland marine insurance protects you if something goes wrong during transport, like spoilage or temperature control failures. It’s intended to cover any insurable product you have in transport, including frozen, refrigerated, and perishable goods.
Please note your base policy may cover claims of food spoilage or temperature issues if they happen at your main location, or are caused by a covered incident that happened there. If your goods are being transported or stored somewhere else, that’s where inland marine coverage comes in.
Food distributors insurance does not cover:
- Alcoholic beverages
- Animal or livestock feed
- Baby food
- Commercial farming operations
- Energy drinks
- Nutraceuticals, vitamins, or supplements
- Pharmaceuticals, drugs, or medicines
- Products labeled for diets, cleanses, or weight loss
- Products requiring a prescription
- Products with CBD, hemp, or hemp extract
- Tobacco-related products
This policy is only designed to cover your main operations as a food distributor. If you have a question about our coverage or want to work with a licensed agent, please contact us at 844.520.6993 or info@insurancecanopy.com.
Separate coverage is available for food manufacturers, importers, alcohol products, nutraceuticals, and CBD products. Food and grocery product liability is also available for items like kitchen appliances, cookware, food storage, cutlery, dinnerware, take-out supplies, and grocery store merchandise.
Choosing the right insurance is critical.
Unbox the Best Food Distributor Insurance
Starting at $25.92/month – Get the coverage your business needs with Insurance Canopy’s all-in-one policy. With general liability, product liability, and more, you’ll have everything you need to stay protected and focused on growing your business.