Food Manufacturing Insurance: Cost & Quotes From $50/mo

Table of contents

Food manufacturers face many problems, from managing constant product recalls and dealing with perishable inventory. Equipment failure can also cause food contamination which may attract lawsuits and fines. Food liabilities can also happen such as a customer getting sick from your products. As a food manufacturer, you are exposed to countless risks while handling sensitive products. It would be best to have food manufacturer insurance to mitigate the financial impact of unforeseen risks and events.

General Liability Insurance for Food Manufacturers 

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $300,000/$1,000,000 $1,000,000/$2,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $1,000,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included Can be included
Equipment breakdown floater included? No  Yes Yes Can be included Can be included


General liability insurance will protect your business from expensive claims. Even one liability claim can lead to the financial crippling of your business. With general liability insurance, you have a safety net that protects your business from claims of property damage, bodily injury, or personal injury.


What Incidents Does General Liability Insurance Cover?

  • Injuries that happen on your business premises, such as falls or slips of customers and visitors

  • Bodily injury to a third party caused by your products or activities

  • Slander or libel claims

  • Copyright infringement

Add-Ons to General Liability Insurance for Food Manufacturers

  • Cyber liability coverage–Data breaches and unauthorized access to your sensitive data can lead to financial losses and lawsuits. This food production insurance coverage accounts for all damages due to data compromisation

Coverage Limits for General Liability Insurance for Food Manufacturers

The coverage limits of the general liability policy of your food and beverage manufacturing insurance package are influenced by the provider you select and the terms of your policy. But typically, the amount can be $1 million to $2 million.


Professional Liability Insurance for Food Manufacturers

CoverWallet  NEXT Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $1,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Can be included No


You can make errors, omissions, and negligence when managing your food manufacturing business. Such mistakes can have negative consequences, leading to expensive claims and lawsuits.

For instance, you can mislabel your food products. Such a mistake may lead to customer harm and misrepresentation. Customers will sue you for damages suffered, and this food manufacturing insurance policy will cover all the associated costs from the claims.

What Are the Common Add-Ons to Professional Liability Insurance for Food Manufacturers?

  • Product recall expense coverage–This add-on to the professional liability coverage of your food processing insurance package will cover all costs associated with product recalls. It will cover product retrieval, disposal, and notification costs

  • Crisis management coverage–This add-on will assist in managing a catastrophic crisis. It can cover food contamination or negative media publicity. The policy will pay for crisis communication or management of your reputation

Coverage Limits to Professional Liability Insurance for Food Manufacturers

You can customize your coverage limit to suit the needs of your business. In most cases, insurance providers offer a limit of $1 million to $5 million.

Compare Cheap Food Manufacturing Insurance Quotes Online

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Commercial Property Insurance for Food Manufacturers 

CoverWallet NEXT (Best) Thimble The Hartford Hiscox
Building coverage limit (minimum) $50,000 $340,000 $25,000/$500,000 $35,000 $25,000
Contents coverage limit (minimum) $50,000 $35,000 $25,000/$500,000 $35,000 $15,000
Outdoor signs Excluded $2,500 Excluded Excluded Included
Accounts receivable  Excluded Excluded $5,000/$10,000 Excluded Included
Money and securities Excluded $2,500 $1,000 Excluded Included
Lock and keys  Excluded $2,500 Excluded Excluded Included
Business interruption floater Excluded Included Included Excluded Included
Equipment breakdown floater Excluded Included Excluded Excluded Included
Inland marine insurance floater Excluded Excluded $10,000 Excluded Excluded
Employee dishonesty floater Excluded $5,000 $2,500 Excluded Excluded


Good commercial property coverage cushions you from business disruptions and financial losses. This policy insures your physical assets from unforeseen events. It will cover rented and owned properties against fire, theft, vandalism, lightning, and other covered perils. 

When making a food manufacturing insurance application, you should ensure the policy covers spoilage coverage. This is particularly integral for your business as it will cover losses that occur due to losses from perishable goods due to power outages or equipment failure.


Add-Ons to Commercial Property Insurance for Food Manufacturers

  • Contamination extension–Your standard commercial pet food manufacturer insurance might not cover contamination events. This add-on will cover all losses that result from contamination events

  • Inland marine coverage–Will cover equipment stored in off-site locations or even when products are stored in warehouses or distribution areas

Coverage Limits of Commercial Property Insurance for Food Manufacturers

The coverage limits your food manufacturing insurance provider offers should reflect the value of your assets. You need to frequently conduct property valuation and account for new changes in your property values.




Business Owner’s Policy for Food Manufacturers 

CoverWallet NEXT (Best) Thimble  The Hartford Hiscox
General liability aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000
Commercial property coverage limit  $50,000 $320,000 $25,000/$500,000 $35,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes


A business owner’s policy (BOP) is an ideal comprehensive package for your food manufacturing business. With the BOP, you can combine multiple standalone policies into one. This will help to lower your costs as most providers offer discounts on bundled policies. This bundled-up policy contains the following:

  • Commercial property insurance

  • General liability insurance

  • Business interruption insurance

What Are Common Add-Ons to BOP for Food Manufacturers?

  • Spoilage coverage–This add-on covers you when perishable goods become unusable. The policy will compensate you for the costs of the spoiled products

Coverage Limits for BOP for Food Manufacturers

The limit for commercial property coverage can be $250,000 to $ 1 million. In contrast, general liability is $1 million to $ 2 million.


Tools and Equipment Insurance for Food Manufacturers 

NEXT  Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0


As a food manufacturer, you rely on equipment and tools to produce and process your products. This policy comes in handy to prevent financial losses that may arise due to damage, breakdown, vandalism, or theft. When taking your insurance policy, ensure you are keen to check the coverage scope. Check if it covers rented, owned, or leased items.


What Are the Critical Add-Ons on Tools and Equipment Insurance for Food Manufacturers?

  • Business interruption coverage–Covers expenses and lost income if your business temporarily halts its operations due to covered events such as fire, floods, or earthquakes

  • Flood coverage–Include this add-on if your standard tools and equipment coverage included in the  food manufacturer insurance package  does not cover flood events

Coverage Limits for Tools and Equipment Insurance for Food Manufacturers

The coverage limits for tools and equipment insurance is not fixed. But some insurance providers offer a limit of $250,000 to $1 million. 


Workers’ Compensation Insurance for Food Manufacturers

Imagine one of your long-term employees complains of chronic back pain due to the constant lifting of heavy bags. The pain can necessitate intensive medical treatment such as surgery or therapy. That’s why your food manufacturing business needs workers’ compensation insurance.  The benefits include:

  • Death benefits

  •  Lost income

  • Medical bills

  • Rehabilitation expenses

What Add-Ons Can You Include in Your Worker’s Compensation Insurance?

Employee benefits liability insurance is one crucial add-on to your workers’ compensation insurance. This add-on will protect your business from omissions and errors you may administer when offering your employee benefits programs.


Coverage Limits of Workers’ Compensation Insurance

The coverage of workers’ compensation will cover 100% of hospital bills and medication. The lost income benefits are calculated depending on the weekly wage. Your employee will get 2/3 of their weekly wage.


Excess Liability Insurance for Food Manufacturers

Excess liability insurance for food manufacturers offers extra protection beyond what your primary insurance can cover. It covers your business from catastrophic financial losses due to unforeseen perils. Ideally, it covers costs that exceed the limits of your policies.


Coverage Limits on the Excess Liability Insurance for Food Manufacturers

The coverage limits for each business are different as the size and risks exposed determine the limits. But generally, the limits are $1 million to $10 million.


Pet Food Manufacturer Insurance

Pet food manufacturing insurance is specifically designed for businesses that produce pet foods. It cushions your business from various liabilities and risks unique to the pet food industry. There are multiple policies you can include for your pet business, such as:

  • General liability insurance

  • Commercial property insurance

  • Equipment breakdown insurance

  • Commercial auto insurance

  • Professional liability insurance

  • Business owners’ policy

What Are the Common Add-Ons to Pet Food Manufacturing Insurance?

  • Product liability enhancement–This add-on extends the coverage of claims that arise from your pet food products, such as injury to pets or allergic reactions. It offers you higher protection against specific risks

  • Cyber liability coverage–Cyberattacks are increasing with advancements in technology. This coverage will safeguard your business against reputational and financial damages from such incidents

Coverage Limits of Pet Food Manufacturing Insurance

Your pet food manufacturer insurance coverage limits will vary depending on the policy you select and the size of your business. You must proactively review your policy terms to find the right coverage.

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Food Manufacturing Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $70 $840 $0-$500
Professional liability insurance $73 $876 $500-$1,000
Excess liability insurance $75 $900 $500-$1,000
Commercial property insurance $90 $1,080 $1,000-$2,000
Business owner’s policy $130 $1,560 $1,500
Tools and equipment insurance $76 $912 $500-$1,000
Workers compensation insurance $124 $1,488 $2,000-$5,000


The average food manufacturing insurance cost is $70 per month or $840 per year for a $1 million general liability policy. Premiums may vary depending on your business’s size, the number of your employees, and your covered risks. Here’s a table showing the cost of a $1 million general liability insurance from the best companies:

Cost per Month Cost per Year Best for
NEXT $45 $540 Best overall; Fastest general liability insurance for food manufacturing businesses
CoverWallet $49 $588 Comparing food manufacturing insurance quotes online
The Hartford $53 $636 Food manufacturing businesses looking for a company with excellent financial strength
Tivly $56 $672 Comparing food manufacturing insurance quotes over the phone
Thimble $58 $696 On-demand coverage for food manufacturers
Hiscox $62 $744 Food manufacturing insurance with automatic renewal

Compare Cheap Food Manufacturing Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Food Manufacturing Insurance Companies

It is essential to choose an insurance company that aligns with the needs and interests of your business. Here are the top choices. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance:


NEXT Food Manufacturing Insurance

Pros

  • Best overall

  • Issues an online proof of insurance instantly

  • Fastest general liability insurance for food manufacturers

  • Great customer service and reputation

  • Excellent rates

  • Outstanding value for money

  • Get a 10% discount if you buy two or more policies 

Cons

  • Couldn’t find any

NEXT is a digital insurance carrier that was founded in 2015 in California. This company offers all its food manufacturing insurance policies online using its AI technology. They strive to make their policies very affordable, especially for solo practitioners. NEXT is very experienced and has written numerous policies. The company also allow you to adjust your coverage limits, get a certificate of insurance online, and add additional insureds. 

Best for: Best overall; Fastest general liability insurance for food manufacturing businesses

Average cost: $45 per month

Our rating: 10/10


CoverWallet Food Manufacturing Insurance

Pros

  • You can easily obtain free quotes on their website

  • It offers certificate of insurance to all customers on their online platform

  • Experienced agents are available who can help you understand the needs of your business

Cons

  • Their insurance policies are underwritten by other insurance companies

CoverWallet is a famous insurance brokerage firm. They offer several insurance products for different industries. Even small businesses such as side hustlers can get a good coverage option. Their focus is digital, which favors businesses that operate virtually. Since it is a brokerage firm, you can get quotes from several providers; thus, you can select costs that align with your budget.

Best for: Comparing food manufacturing insurance quotes online 

Average cost: $49 per month 

Our rating: 10/10 


The Hartford Food Manufacturing Insurance

Pros

  •  They have a responsive customer care team who offer professional assistance

  • You can access multiple coverage options for your business

  • Offers insurance tools and resources to help in better management of your policy

Cons

  • May not offer great deals for non-AARP members

The Hartford is a company that has been in the market for more than 200 years. Its reputation and expertise in writing insurance policies are unprecedented. This company initially started as a fire insurance company but has evolved to offer other insurance products. A.M. Best rates this company at A+, which shows it is financially viable.

Best for: Food manufacturing businesses looking for a company with excellent financial strength

Average cost: $53 per month

Our rating: 10/10


Tivly Food Manufacturing Insurance

Pros

  • They match you with the best insurance provider who suits your needs

  • They offer cost-effective insurance premiums for all types of businesses

  • Fast and accurate insurance quotes are available

Cons

  • This company relies on other insurance providers to underwrite the policies.

Tivly is known as an insurance marketplace. This company partners with several insurance companies to offer multiple affordable insurance products. They have an easy-to-use platform. This is an insurance marketplace where you can get the most affordable rates. Call now to compare quotes over the phone. 

Best for: Comparing food manufacturing insurance quotes over the phone

Average cost: $56 per month

Our rating: 9/10


Thimble Food Manufacturing Insurance

Pros

  • You can easily purchase and manage your policies online

  • You can modify your policy as your business expands

  • Multiple insurance products available for your food manufacturing business

Cons

  • Their customer support service is only available online

Thimble is an insurance company that was established to offer drone insurance products. Initially, they offered one-day coverage for drone operators. But the demand for insurance products increased, and they are now offering policies to other industries. Today, this insurance company specializes in offering insurance products to small businesses. They also offer event-based insurance policies.

Best for: On-demand coverage for food manufacturers

Average cost: $58 per month

Our rating: 9/10


Hiscox Food Manufacturing Insurance

Pros

  •  Their online platform is very easy to navigate

  • It has a good reputation in terms of processing claims

  • You can take advantage of their multiple discounts

Cons

  • Does not offer specialized insurance coverage for  food manufacturing businesses 

Hiscox is a company that has been operating since 1901. Their team efficacy and reputation make this company outstanding from its competitors. The company specializes in offering business insurance for food manufacturers with large-scale operations. You can tailor their coverage and policies to suit your individual needs. Their excellent customer service ensures you get the best assistance.

Best for: Food manufacturing insurance with automatic renewal 

Average cost: $62 per month

Our rating: 9/10

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