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Food & Beverage Program
Allentown, Mertztown, Pine Grove, Schuylkill Haven, Summit Hill, Temple, West Chester, Willow Street, Wyomissing
Spotts Insurance Group can tailor insurance coverage within your budget and risk tolerance with our Food & Beverage Program.
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Call: (610) 374-2911
Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.
What You Need to Know About Our Food and Beverage Program
Direct Access To Insurance Underwriter
Our program grants food and beverage clients direct access to our insurance underwriters. Our in-house team delves into your operations, touring facilities, and assessing risk management strategies to align with your business needs. This personalized approach ensures coverage that respects your budget and risk tolerance.
Underwriting Authority
Spotts Insurance Group boasts underwriting authority for policies up to $50 million. We've developed unique coverage enhancements under this authority, including:
- Defense coverage for criminal strict liability up to $10 million;
- Expenses coverage for your customers’ crisis consulting post-contamination;
- Professional service fees coverage following a contaminated product loss.
Additional Food and Beverage Coverage Offerings
Beyond our underwriting capabilities, we access a vast network of major and regional insurers in the U.S., enhancing their offerings with our designed coverages to meet your risk management objectives.
Strategic Partner Network
As part of a strategic network, we collaborate with specialists from supply chain management to food safety, leveraging this knowledge for better loss control and potential insurance premium credits. Our partnership with Leavitt Partners, boasting extensive food safety expertise, underscores our commitment to superior risk management.
Innovative Risk Management with Spotts Expertise
Our collaboration with Leavitt Partners introduces a proactive approach to managing food and beverage risks. Our expertise in navigating the challenges of food supply chains complements our efforts to identify risks, set up loss prevention services, and tailor insurance solutions that address emerging gaps and exposures.
Tailored Insurance Solutions
Our innovative policies, such as Supermarket and Food Retail Contamination and Recall Insurance, offer comprehensive coverage with 17 triggers for insured events. These policies, along with specialized endorsements for criminal strict liability and crisis consultancy, ensure robust protection against the dynamic risks of the food and beverage industry.
Adapting to Industry Changes: Food Recalls
The evolving landscape, marked by FSMA's impact on recall frequency and cost, demands agile and forward-thinking risk management strategies. Our collaborative approach, combining Spotts Insurance Group's underwriting authority with Berrian's specialized policies, positions us to protect and support our clients amidst industry transformations and new regulatory environments.
Our Approach
Many food and beverage companies have already discovered significant value available through the Spotts Insurance Group Food and Beverage Program.
Risk Analysis Process
Our clients embrace our risk analysis process and enjoy working directly with us as their underwriter and agent for other policies where we work as their agent.
Customized Coverage
Our clients appreciate having the ability to tailor their own insurance program and to only pay for coverage they need.
Closing Gaps in Coverage
Our clients appreciate insurance design where policies dovetail to close gaps in coverage or improve coverage terms.