Equipment breakdown covers repair and spoiled stock, particularly for chocolate and temperature-sensitive product.
Yes. On-site production adds manufacturing exposure. Disclose it.
Yes. Undeclared allergens and cross-contact in bulk displays are the leading product claims.
Yes. Shared scoops and open bins create contamination and cross-contact risk.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
