Food insurance

No matter if you operate a restaurant, a food truck, a takeaway delivery service, or you manufacture foods for commercial or consumer markets, you need professional food insurance.

Despite your best intentions and quality and safety due diligence, there is always the possibility that things can go wrong. A simple food poisoning claim, fire or flooding at your premises, or even a malicious social media post has the potential to leave you facing enormous compensation claims, expensive repairs, or massive legal costs that could ruin your business. Consider these examples of common but still devastating events:

• Food poisoning – your food truck sells unusual and delicious wraps and salads. Unfortunately, without your knowing, a batch of shellfish carries its own dangerous, exotic extras. The bacteria causes a customer to be violently ill, ending up in hospital. They sue you for neglect, causing harm, and their medical and legal costs. Public liability insurance will take care of the financial impact and the legal worries. It may also give you support if the claim sparks an unwarranted inspection, and you cannot operate while it’s ongoing. 
• Fire in the kitchen – a new employee overfills a deep fat fryer and it goes up in flames, taking your kitchen with it. Your general business and contents insurance will cover the cost of repairs, while business interruption insurance will provide emergency income during your temporary closure.
• Plastic in your food – your business manufactures luxury energy bars and snacks. A small piece of plastic packing accidentally ends up in the production mix and eventually, in a consumer’s mouth. Their claim for compensation can be neatly handled by your product liability insurance while back at the factory you make changes to your product processing. 

These are just a few of the things that can go wrong in any food business. Fortunately, in every case food insurance has turned potential disaster into a mild event. But think again. If any of these incidents happened to your food business and you did not have insurance, could your operation survive?