Common questions about Food and Beverage Wholesaler
Answering the most frequently asked questions about Food and Beverage Wholesaler.
Do I need coverage for goods held for other brands?Gravity Certs2026-08-17T23:38:51-04:00
Yes. Warehouse liability covers third-party stock; your property policy does not.
Are refrigerated goods covered in transit?Gravity Certs2026-08-17T23:38:50-04:00
Only with inland marine or cargo coverage written for refrigerated freight. Confirm temperature deviation is addressed.
Is recall covered by my product liability?Gravity Certs2026-08-17T23:38:49-04:00
No. Recall expense is separate, and food distribution carries meaningful recall obligations under supplier agreements.
Am I liable for contaminated product I distributed?Gravity Certs2026-08-17T23:38:48-04:00
Yes. Product liability names distributors in contamination and allergen claims regardless of who manufactured it.
What’s the signature loss in this class?Gravity Certs2026-08-17T23:38:47-04:00
Cold chain failure. Refrigeration breakdown spoils entire holdings in hours, and equipment breakdown covers the stock and lost income.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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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. -
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.
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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
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