Why food manufacturing can require specialist underwriting

Insurers may consider cooking processes, refrigeration, cold storage, combustible construction, hygiene controls, product contamination exposure, machinery dependence, stock values and business interruption concentration.

Insurance commonly considered

Depending on the operation, cover may include property, business interruption, machinery breakdown, public and products liability, stock deterioration, transit and product recall where available.

Information insurers may request

Useful information can include production processes, product types, temperature controls, fire protection, panel construction, stock values, quality systems, major customers and suppliers, claims history and business interruption dependencies.

Business interruption deserves attention

Food businesses can be highly dependent on refrigeration, machinery and continuous supply. Appropriate insured values and indemnity periods should be considered alongside the underlying property exposure.