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.

Food & Beverage Program

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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.

Frequently Asked Questions

  • What insurance do bakeries and food processors need?

    The exact coverage you decide on will vary based on your business's needs and risks. However, a few types of food manufacturing and bakery insurance coverage we recommend including the following:

    • General Liability
    • Commercial Property 
    • Bakery Manufacturing Insurance  
    • Bakery Equipment
    • Equipment Breakdown
    • Spoilage Coverage
    • Workers Compensation
    • Commercial Auto
  • What is food manufacturing insurance?

    Food manufacturing insurance covers a wide range of policies available to help protect against the risks faced by food and beverage manufacturers and bakeries. There isn't a single bakery insurance policy that covers your entire range of risks instead, policies are tailored to fit the specific needs of your company! Your business is unique, which means your insurance needs to be unique as well. There are coverage options for every type of food manufacturer or processor you can imagine. Some examples include:

    • Commercial Bakeries
    • Dairy Processors
    • Grain Millers
    • Meat Processors
    • Nut Hullers
    • Pasta Manufacturers
    • Poultry Processors
    • Frozen Food Manufacturers
    • Breweries
    • Confectionaries

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.