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Manufacturer Insurance Explained: Machinery, Products & Liability
Manufacturing is a fast-moving sector that relies on machinery, skilled workers, and safe products. With so many moving parts, the risks are high.…
Food ManufacturerInsurance
Food Manufacturer Insurance
Public liability and product liability cover built for food manufacturers, covering allergen risk, contamination and the products you make.
Public liability and product liability cover built for food manufacturers, covering allergen risk, contamination and the products you make.
Allergen labellingRefrigeration coverProduction staff
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is food manufacturer insurance?
Food manufacturer insurance is a combination of covers built around producing food or drink, public liability for injury or damage, product liability if something you’ve made causes illness or harm, and employers’ liability for production staff.
One policy. Multiple risks. If you produce food pre-packed for direct sale, allergen labelling under Natasha’s Law is a legal requirement, getting it wrong can lead to a serious product liability claim.
The right food manufacturer cover depends on:
What food or drink you produceWhether you produce pre-packed food for direct saleNumber of employeesWhether you own your premisesAllergen handling and cross-contamination riskCold chain and refrigeration needs
Cover that fits the way you produce
Cover that fits the way you produce
Allergens, contamination and finished goods bring their own everyday risks.
Allergens, contamination and finished goods bring their own everyday risks.
RecommendedPublic Liability
Protection if a visitor or member of the public is injured or their property is damaged.
RecommendedEmployers’ Liability
A legal requirement once you employ any staff, even casual help.
RecommendedProperty & Contents
Protection for your machinery, refrigeration and premises.
RecommendedBusiness Interruption
Support for loss of income if an insured event stops you trading.
OptionalStock & Materials
Cover for raw ingredients and finished products.
OptionalProduct Liability
Protection if food you’ve made causes illness or harm.
What could go wrong in a food manufacturing business?
What could go wrong in a food manufacturing business?
Most food manufacturer claims come from a missing allergen label, a contamination incident, refrigeration failure, or food linked to illness after sale.
Most food manufacturer claims come from a missing allergen label, a contamination incident, refrigeration failure, or food linked to illness after sale.
Is this cover right for your business?
This type of business insurance may suit you if you produce food or drink.
The right cover depends on:
Bakeries and small-batch producersContract food manufacturersReady-meal and PPDS producersProducers with multiple sitesProducers exporting food or drinkProducers with employeesReal-world risks. Real-world protection.
Real-world risks. Real-world protection.
A refrigeration failure, an allergen labelling error, a staff injury and a visitor injury are the four food production scenarios insurers see most. Each responds to a different cover.
A refrigeration failure, an allergen labelling error, a staff injury and a visitor injury are the four food production scenarios insurers see most. Each responds to a different cover.
Refrigeration failure
A breakdown spoils perishable stock.
Potential cover
Stock & Materials
Allergen labelling error
A PPDS product isn’t labelled correctly under Natasha’s Law.
Potential cover
Product Liability
Staff injury
An employee is injured working with machinery.
Potential cover
Employers’ Liability
Visitor injury
A visitor to your production site is injured on-site.
Potential cover
Public Liability
How much does food manufacturer insurance cost?
There’s no fixed price. It depends on what you produce, staff numbers, refrigeration needs and your claims history.
What food or drink you produce
Some products carry higher product liability risk than others.
Whether you own or rent
Owning your premises adds buildings insurance to consider.
Number of staff
More employees increase your employers’ liability exposure.
Level of cover
Adding product liability or a higher limit increases your premium.
Refrigeration and cold chain needs
More cold storage capacity increases your equipment cover premium.
Claims history
A clean claims record helps keep premiums down at renewal.
How the quote process works
How the quote process works
Getting food manufacturer insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
Getting food manufacturer insurance takes four steps: tell us about your business, choose your covers, compare specialist insurers, then get covered, often the same day.
1
Tell us about your business
What you produce, and whether you have staff.
2
Choose your covers
Public liability, product liability and any extras.
3
We compare specialist insurers
We search our panel of 20+ UK insurers.
4
Get covered and trading
Receive your documents, usually the same day.
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Food manufacturer insurance guides
Food manufacturer insurance guides
Practical advice on cover, allergen labelling and staying protected.
Practical advice on cover, allergen labelling and staying protected.
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Food manufacturer insurance FAQs
Food manufacturer insurance FAQs
Straight answers on cover, allergen labelling and cost.
Straight answers on cover, allergen labelling and cost.
Food manufacturer insurance is a combination of covers built around producing food or drink: public liability for injury or damage, product liability if something you’ve made causes illness or harm, and employers’ liability for production staff.
Still have questions?
Our advisers are here to help you find the right solution.