Food Manufacturing Insurance Tailored For Your Production Business 
What types of insurance does a food manufacturing business need?
Explore Insurance for Food Manufacturers Covering Equipment, Product & Liability
Food manufacturing comes with strict regulations, supply chain risks, and potential liability tied to product safety. Food manufacturing insurance protects your business against recalls, contamination, equipment breakdowns, and more. Whether you’re producing packaged goods or fresh products, the right liability insurance for food manufacturers helps keep your operations protected and compliant.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Kind Of Food Manufacturing Insurance Do You Need?
If you run a food manufacturing business, having the right insurance is essential to protecting your operations, employees, equipment, and reputation.
Here’s a breakdown of the essential types of insurance for food manufacturers:
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General Liability Insurance – Covers third-party injuries and property damage.
- Business Owners Policy– General liability and business equipment coverage all in one.
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Workers’ Compensation – Required if you employ walkers, covering medical expenses and lost wages for job-related injuries.
- Product Liability Insurance – Covers claims of injury or damage caused by products your business makes or sells.
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Food Spoilage Insurance – Essential for perishable products, this covers financial losses if your food spoils due to equipment failure, power outages, or other covered incidents
- Commercial Auto Insurance – Required if your business uses vehicles to transport food products, covering liability and damage to the vehicles themselves.
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Business Income Insurance – Replaces lost income if your business has to temporarily close due to a covered event like a fire.
- Umbrella Insurance – Provides additional liability coverage above the limits of your underlying policies, such as general liability and commercial auto.
Do I Really Need Insurance for Food Manufacturers?
If you’re wondering “Why is food manufacturing insurance is important?” or searching for the best insurance for food manufacturing businesses, the answer is simple: the right insurance protects your operation, your reputation, and your future.
Here’s how:
- Protect Your Business Assets – Coverage helps pay for equipment damage, contamination, injuries, and property loss so one incident doesn’t shut you down.
- Comply With Industry Regulations and Contracts – Meet insurance requirements for suppliers, retailers, and regulators so you can operate and grow without delays.
- Safeguard Against Product Liability Claims – If a product causes harm, insurance can help cover recalls, legal costs, and settlements to protect your bottom line.
- Build Trust With Clients and Partners – Having coverage shows you’re reliable and prepared, giving customers confidence to do business with you.
How Much Is Liability Insurance For Food Manufacturers?
Florist business insurance costs can vary, but generally, Gild Insurance customers’ policy coverages start at $500 annually.
Here are a few factors that influence insurance for food manufacturers:
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Location
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Size of your operation
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Revenue
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Employee count
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Inventory value
- Claims History
The best way to find your food manufacturing insurance cost is to get a free, online quote in minutes!
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get the Best Food Manufacturing Insurance Today!
Food manufacturing insurance is about more than just coverage. It’s about protecting your livelihood and everything you’ve built. With Gild, you get more than a policy. You get a partner who understands the manufacturing industry and provides the protection, tools, and support you need to stay secure and keep growing.
Frequently Asked Questions
Food manufacturers work with foodborne risks, recall potential, expensive machinery, and supply chain interruptions. Key insurance types include:
- Commercial Property Insurance – Protects your plant, production equipment, and inventory from fire, spoilage, theft, or damage.
- General & Product Liability Insurance – Covers legal expenses if a product causes harm or contamination.
- Product Recall Insurance – Crucial in food manufacturing. Covers the direct costs associated with recalling products, including notification, removal, disposal, and crisis management. It also helps with lost income during the recall.
- Equipment Breakdown Coverage – Pays for repair or replacement of damaged machinery, reducing downtime.
- Workers’ Compensation – Required in most states; covers employee injuries like burns or slips in industrial environments.
How much does food manufacturing insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Is insurance required for food manufacturers to comply with regulations or win contracts?
Yes. Insurance often aligns with both regulatory and business requirements:
- Product Recall Insurance is recommended, even if not always required, to meet regulatory scrutiny and to protect against financially crippling recalls.
- Workers’ Compensation is legally required in most states for businesses with employees.
- Product Liability is frequently expected by retailers, distributors, or commercial partners before entering contracts.
Does food manufacturing insurance cover risks like product recall, equipment breakdown, or supply chain disruptions?
Yes, with the right policies:
- Product Recall Insurance helps cover expenses like product withdrawal, legal fees, PR response, disposal, and lost income.
- Equipment Breakdown Coverage addresses repairs or replacements of critical manufacturing machinery.
- Business Interruption covers income loss if operations pause due to machine failure or contamination.
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