Food Service
The Food Industry is the largest sector of the global economy. It includes all types of businesses that serve and/or prepare food for consumers. Policies are typically written on a Business Owners Policy or Commercial Package Policy to provide comprehensive coverage for the unique hazards and loss exposures inherent to these types of businesses.
The following is a small sample of the types of businesses and classes included in this category and should not be considered all inclusive:
- Full-Service Restaurants (Fine Dining and Casual)
- Fast Food Restaurants
- Caterers
- Dining Halls
- Delicatessens
- Pizzerias
*Bars, Taverns, and Lounges where liquor sales are a significant percentage of gross sales are ineligible.
Basic coverages and policy-types available:
- Business Owners Policy
- Commercial Package
- Property
- General Liability
- Inland Marine
- Crime
- Workers Compensation
- Business Auto
- Cyber Risk Insurance
- Umbrella
Industry-Specific coverages include:
- Liquor Liability
- Hired & Non-Owned Auto Coverage
- Utility Services Interruption
- Fine Arts
- Spoilage
- Food Contamination
- Blanket Additional Insured
Please note, each individual risk must be reviewed to determine eligibility. Not all classes and coverages may be available in all regional and geographical territories and locations.
