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Food Liability Insurance Program

Insurance for commercial food operations.
Expertise and insurance solutions to help manage food risks effectively.

When commercial food companies choose Connor & Gallagher OneSource to protect their business, they get much more than just insurance. They get a team of experts working to help improve workplace safety, reduce risk and ultimately help increase profitability. We offer services and materials that directly relate to the unique needs of the food business.

Food Safety
  • Food Safety Modernization Act (FSMA)
  • Food/Feed Safety and Current Good Manufacturing
  • Practices CGMPs
  • Food defense
  • Hazard Analysis and Critical Control Point (HACCP) training
  • Recall program reviews and evaluation
  • Quality assurance/quality control consultation
  • Feed material assurance scheme
WORKERS' COMPENSATION
  • Cost containment
  • Return-to-work program
  • Industrial hygiene
  • Ergonomics (evaluations, program development)
  • OSHA compliance
  • Safety program design and implementation
Property Engineering
  • Thermal imaging
  • Business contingency planning
  • Fire protection assessment
  • Sprinkler system analysis
  • Construction quality assurance (geotechnical guidance, structural design)
Enterprise Risk Management
  • Account-specific reports (premium and loss data)
  • ERM framework (follows ISO 31000 standard)
  • Benchmark Studies (on specific coverages or markets)
Fleet Safety and Compliance Programs
  • DOT compliance, policies, processes and procedures
  • DOT audit review
  • Fleet training
  • Fleet consulting
  • Power industrial truck training
Client Services
  • New customer orientation and service-needs analysis
  • Central point of contact
  • Loss analysis consultation

Coverage Endorsements to Help Grow Your Business
Food and meat processors

Food Equipment Contamination Cleanup
In the event of direct physical loss caused by a covered peril, this endorsement offers coverage to pay necessary expenses incurred to clean contaminated food preparation equipment to religious standards.

Food Contamination and Product Adulteration
Offers coverage for direct physical loss or direct physical damage to business personal property, including business personal property the policyholder may have sold but not delivered, if the policyholder cannot sell it or use it because it contains a contaminant introduced during the processing or manufacturing operation.

Property in Transit
Includes refrigeration breakdown.

Lock re-keying or Replacement

Arson Reward

Food Property

Contaminated Food Product
For losses related to change in taste, texture, finish or color, including any contamination caused by animals, birds, vermin, rodents, or insects.

Food Product Testing
For actual costs incurred to test food products.

Research and Development Costs
For fixed costs incurred by a research and development operation which does not directly produce business income.

Processing Water
For additional costs and expenses incurred to purchase and deliver water by an outside supplier or vendor to continue "operations" following a loss of water supply.

Accidental Marring or Scratching of Mods, Dies, Patterns or Plates
Coverage includes these items owned by the policyholder as well as those in policyholders' care, custody and control.

Prototypes
For direct physical loss or damage as a result of a covered cause of loss to prototypes related to research and development operations.

Professional Fees
For reasonable costs incurred for auditors, architects, accountants and engineers for a covered loss.


Fruit Bin or nut bin

Damage to fruit bins or nut bins as a result of loss or damage caused by a covered peril.

Milk Contamination

Losses and expenses incurred due to loss of purity in policyholder's milk due to a foreign substance mixing or coming in contact with this milk.

Food Insurance Through an A+ Rated Carrier For:

  • Candy Manufacturing
  • Commercial Bakeries
  • Commercial Grain Milling Operations
  • Dairy Processing
  • Farm Store
  • Feed Manufacturer
  • Fertilizer Dealers
  • Fish/Seafood Processing
  • Frozen Specialty Food Manufacturing
  • Fruit/Vegetable Processing
  • Grain Milling
  • Grower/Packer/Shipper
  • Juice/Beverage Processing
  • Meat Processing
  • Nut Hulling/Processing
  • Oil Extraction
  • Pasta Manufacturing
  • Poultry Processing
  • Produce Processing
  • Seed Dealer/Conditioner
  • Snack Food Manufacturing
  • Spice, Extract, Flavoring Manufacturing
  • Wineries, Breweries and Distillers

Speak to a Food Liability Insurance Specialist

What clients in this industry say

"The CGO team has been a great business partner to us. They are here to assist us in making our business better! We have seen progress in a very short time that we could not have achieved otherwise!"