Food & Grocery Product Insurance
Top-Rated Coverage For Consumer & Commercial Food Products
Product Liability Insurance For Food and Grocery Products
For more than a decade, Insurance Canopy has helped thousands of businesses gain access to niche product liability insurance policies. Whether you manufacture, distribute, or sell food and grocery related products, we can help you insure your business and defend against claims.
Our online application process allows you to apply for a free food product insurance quote in minutes and tailor your coverage needs to your business. With Insurance Canopy, you can start placing your products in more retail and industrial spaces with those who need them.
Food Product Manufacturing Insurance
- Frozen, perishable, & non-perishable food products
- Pet or animal feed
- Food packaging
- Private label & wholesale food manufacturing
Restaurant & Consumer Food Product Insurance
- Kitchen appliances & cookware
- Reusable food storage
- Dinnerware & cutlery
- Delivery & take-out products
Grocery Product Insurance
- Merchandise shelves, stands, & storage
- Shopping baskets & carts
- Grocery bags
- Private label & wholesale food Heated & refrigerated displays
What Is Food & Grocery Product Insurance?
Food product liability insurance is coverage for claims of bodily injuries or property damage caused by your products or business operations. If you mislabel a snack and it leads to allergic reactions, or a defective shelf you manufacture collapses in a grocery store, then you could be held responsible.
Insurance Canopy can help pay for most, if not all, of the costs associated with a claim—such as medical bills, legal fees, product recalls, and more. We help you save time, money, and stress, allowing you to focus on running your business.
How Much Does Food Product Liability Insurance Cost?
Food product liability insurance costs can vary based on your products, coverage needs, claims history, and business.
On average, our customers pay between $67 to $116 per month, which is about $800 to $1,400 per year.
You can apply for a free customer quote online today to calculate your costs!
Why Should I Carry Food Product Insurance?
A single claim can be devastating to your finances, time, and business operations. Lawsuits can sometimes last months, and the injured party may have high monetary demands to be met.
Without insurance, you could find yourself paying hundreds of thousands of dollars in medical bills, legal fees, repairs, lost wages, recalls, funeral expenses, and more. You also suffer damage to your reputation, leading to the possible loss of business partnerships and a drop in sales.
Start protecting your business with Insurance Canopy!
Coverage Details
Limits of Liability
$2,000,000*
$2,000,000*
The amount that your policy will pay for claims arising out of one or more of the following offenses:
– False Arrest, detention or imprisonment
– Malicious prosecution
– Wrongful Eviction or Wrongful Entry
– Oral or written publications that slander or libels a person or organization
– Oral or written publication or material that violates a person’s right of privacy
– The use of another’s advertising idea in your advertisement
$1,000,000
$1,000,000*
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
$5,000
$2,500
Want a free insurance quote?
Questions About Product Liability Insurance For Grocery And Food Products
Most retail contracts require you to have food and grocery product liability insurance. This allows other businesses to be listed as an additional insured on your policy and can help protect them if your product injures someone in their location.
When you have insurance, you show others you are serious about your business and user safety. This can lead to trusted partnerships to help you grow your business. Plus, you may need an insurance policy before you start working with companies who could manufacture, import, or distribute your product.
Insurance Canopy’s base plan automatically includes both general and product liability insurance, as well as:
- Professional Liability
- Completed Operations
- Personal & Advertising Injury
- Each Occurrence Limit
- Damage to Premises Rented to You
- Medical Expense Limit
We also offer coverage for:
- Tools & Equipment (Inland Marine)
- Product Recalls
- Hired/Non Owned Auto Vehicles
- Cyber Liability
- Additional Insureds
- Occurrence Limits
Your insurance policy for grocery and food products can be tailored to fit the unique needs of your business. Our product liability policy can even protect you from claims of providing, or failure to provide, warnings or instructions about your products.
There are limits when it comes to who, and what, can be insured on an Insurance Canopy policy. Some of our exclusions include:
- Baby food or baby food products
- Electrical food products involving blades and slicers
- Individuals who produce their own consumable food products out of their own home or warehouse
- Food products sold directly to consumers
- Products requiring a prescription
- Vitamins or supplements (this is covered under a separate policy)
- Products containing more than 0.3% THC (this is covered under a separate policy)
This policy is not made to insure a grocery store structure, or the food produced inside at delis or bakeries.
Start An Application Today
Yes, Insurance Canopy offers product insurance for food manufacturers, importers, suppliers, distributors, and wholesalers. In fact, manufacturing defects are the most common type of product liability claims we see.
If your business handles a food or grocery related product, and it causes bodily injury or property damage, then you are at risk of being named in a product liability lawsuit. Having insurance for food products can help you cover these costs.
