Insurance for Food and beverage manufacturers

Semper Insurance offers customized insurance solutions for Food and beverage manufacturerss.

Food and beverage manufacturers2026-08-17T23:41:56-04:00

Recommended Insurance Products for Food and beverage manufacturers

Product Liability

Contamination, allergen and labeling claims from finished product.

General Liability

Premises and operations exposure at the plant.

Commercial Property

Production lines, tanks, packaging equipment and inventory.

Equipment Breakdown

Refrigeration and process equipment failure spoils full batches.

Business Interruption

Lost income during shutdown, cleaning or regulatory hold.

Workers’ Compensation

Machinery, lifting and cold environment injuries.

Common questions about Food and beverage manufacturers

Answering the most frequently asked questions about Food and beverage manufacturers.

Do retailers require specific limits?2026-08-17T23:42:01-04:00

Frequently. Grocery and distribution agreements often specify product liability limits and additional insured status.

What if refrigeration fails?2026-08-17T23:42:00-04:00

Equipment breakdown covers repair, spoiled product and lost income during restoration.

Am I liable for a co-packer’s error?2026-08-17T23:42:00-04:00

Usually yes, as the brand owner. Confirm additional insured status in your co-packing agreements.

What’s my biggest operational risk?2026-08-17T23:41:59-04:00

Contamination and allergen cross-contact. Documented HACCP and allergen controls are your primary defense.

Is recall covered by product liability?2026-08-17T23:41:58-04:00

No. Product liability pays for harm caused; recall pays retrieval and replacement. They’re separate purchases.

Reviews from Semper Insurance clients

110-35 72nd Rd, Forest Hills

5.0 23 reviews

  • Lisa Duffner’s Avatar Lisa Duffner ★★★★★ 9 months ago
    I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget.
  • Justin Wheeler’s Avatar Justin Wheeler ★★★★★ 11 months ago
    We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
  • Grigoriy Priev’s Avatar Grigoriy Priev ★★★★★ 12 months ago
    Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks

We Are Semper Insurance

Semper Insurance is a lot of things – we’re a small business headquartered in New York, a licensed insurance broker – but first and foremost, Semper Insurance is a collection of passionate team members working hard to solve our Food and beverage manufacturers clients problems.

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