Food manufacturers insurance
Join over 800,000 UK customers who’ve chosen to insure with us.
Get tailored quotes in 7 minutes
- UK-based expert support, online and on the phone
- specialist cover for businesses with more than ten employees
- rated 4.6/5 based on 39K+ public liability customer reviews
Compare quotes from leading brands
Rated 4.7/5
Based on 39,771 reviews
Claims paid in 24 hours
For 80% of settled claims
Food manufacturers insurance – why is it important?
Whether it’s an allergic reaction or a fire that damages your premises, food manufacturing comes with a range of risks. If a claim came up, would you have the funds ready to cover it? Fortunately we provide tailored cover to protect your business should the worst happen.
- liability insurance for food manufacturing, including public and employee risks
- peace of mind, letting you focus on your business, not the what-ifs
- UK-based claims team, award-winning and available 24/7
What does food manufacturing insurance cover?
Build a policy that covers the unique needs of food manufacturing. Most businesses usually consider public liability insurance, which covers you if a member of the public gets injured or loses out financially and blames your business. From there, tailor your policy by adding covers that suit your business best.
Public liability insurance
In case your business and products cause an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your food manufacturing business
Building insurance
In case something happens to your off licence premises.
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
Tools insurance
In case your tools are lost, stolen or damaged.
Stock insurance
In case something happens to your products and consumables.
Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
Legal expenses insurance
In case you’re hit with legal expenses connected to your food manufacturing business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
Public liability insurance
In case your business and products cause an injury or property damage.
What’s typically covered by public and product liability insurance?
Claims against your business for:
- injuring someone else while you’re working, or afterwards as a result of your work
- damaging someone else’s property while working, or afterwards because of your work
- injury or damage caused by your employee (remember, if you employ people, you must have employers’ liability insurance – it’s a legal requirement)
For example:
- someone trips over a bag on the floor in your premises, causing them to break their ankle
- you accidentally knock a client’s laptop onto a hard concrete floor, damaging it beyond repair
- your employee smashes a TV while working in a client's house
**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**
Read more about public liability insurance
Employers’ liability insurance
In case anyone gets ill or injured while working for your food manufacturing business
What’s typically covered by employers’ liability insurance?
Claims against your business for:
- an injury that happens as a result of working for you (including temps and casual workers)
- an employee, including a contractor or casual labourer, suing you after falling ill because of working for you
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
- your employee injures their lower back while moving furniture at your premises and holds you responsible
- an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
- a member of staff trips over while unloading business equipment, injuring their knee
Building insurance
In case something happens to your off licence premises.
What’s typically covered by building insurance?
Claims against your business for:
- repair and rebuild costs after damage caused by a storm, fire, or vandalism
- fittings and fixtures that get damaged
- underground pipes and cables, if you’re responsible for them
For example:
- someone tries to force entry into your shop, damaging the door, which needs replacing
- a burst pipe causes water damage to floorboards and walls – they need to be replaced
- equipment catches fire and damages your building, which will need to be completely rebuilt
Read more about business and office equipment insurance
Contents insurance
In case something happens to your fixtures, fittings, or operational equipment.
What’s typically covered by contents insurance ?
Claims against your business for:
- accidental damage to your contents, or the equipment you use to run the business
- theft, flood, and fire damage
For example:
- someone breaks into your business premises and steals three company laptops, as well as two sets of headphones
- a faulty dishwasher floods your office kitchen, causing damage to several appliances
- your business equipment is damaged by vandals during a break-in
Read more about content insurance and business and office equipment insurance
Tools insurance
In case your tools are lost, stolen or damaged.
What’s typically covered by tools insurance?
Claims against your business for:
- stolen tools and equipment
- accidental damage to the tools you need for your business
- loss of specialist equipment and food manufacturing tools
For example:
- a thief steals your business equipment and you miss out on a job
- you accidentally leave some specialist equipment out in the rain, damaging it beyond repair
- you lose your tools on a work trip
Read more about tools insurance
Stock insurance
In case something happens to your products and consumables.
What’s typically covered by stock insurance?
Claims against your business for:
- theft or vandalism to your stock
- other loss or damage to your stock, for example through fires or floods
- essential stock that you need to sell in order to operate
For example :
- your equipment is faulty, causing fresh produce that you keep as stock to go off
- water from a flood destroys stock and you have to throw it away
- a thief clears out your stockroom – you have to replace stock quickly to operate
Read more about stock insurance
Own plant insurance
In case plant machinery, like excavators, you own is lost, stolen, or damaged.
What’s typically covered by own plant insurance?
Claims against your business for:
- replacement of own plant machinery should yours be damaged or stolen
- water damage to your own plant machinery
- accidentally injuring someone else while you’re working, or afterwards as a result of the work you’ve done
For example :
- an excavator is stolen during an overnight break-in at your works site
- you drill through a water pipe while working on a construction site, causing extensive damage
- your storage unit is flooded, damaging your cement mixer and generator beyond repair
Read more about own plant insurance
Legal expenses insurance
In case you’re hit with legal expenses connected to your food manufacturing business.
What’s typically covered by legal expenses insurance?
Claims against your business for:
- costs and expenses for contractual disputes arising from an agreement
- cases relating to civil action taken against you for compensation under data protection legislation
- employment disputes and compensation, for both employees and volunteers
For example:
- a client says that your work wasn’t delivered on time and that you didn’t meet your contractual obligations, and they’re refusing to pay
- your employee leaves their laptop unattended in a coffee shop, and a third party is able to lift a customer’s data
- you need to dismiss an employee following client complaints, and they threaten to file an unfair dismissal lawsuit
Read more about legal expenses insurance
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or off-duty.
What’s typically covered by personal accident insurance?
Claims against your business for:
- accidental injury or death at work or elsewhere, for anyone covered on the policy
- lost income, medical costs, and hospitalisation benefit
For example:
- you twist your ankle while exercising and can’t work for over a week
- one of your employees, who’s named on the policy, traps their hand in a car door and needs to rest it for two weeks
- you’re working near a building site and an extremely loud noise results in sudden hearing loss
Read more about personal accident insurance
How much does food manufacturers insurance cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £6.56 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
*The price is for £1 million of public liability insurance - 10% of customers paid £41.87 or less annually between 1st Oct 2023 - 31st Mar 2024. Equivalent to £3.49/month (and excludes the extra costs for paying monthly). If you complete a quote more types of cover will be available, these all have additional costs.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
Buy online in minutes
Get your documents the same day
Simply Business
Direct to
insurer
Highstreet
broker
Compare policies from a range of trusted insurers
Buy online or over the phone in minutes
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
How do claims work for food manufacturing insurance?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£28 million in claims paid out in 2021
Paying 80% of settled claims within 24 hours in 2021
The figure above is rounded across our range of products. "Settled" covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Chosen by 800,000 small businesses and landlords
We started out as a team of 5 back in 2005. We’ve grown since then with 800,000 customers across 1,500 trades now trusting us to provide their insurance.
Compare and buy in minutes
Documents arrive today
Rated 4.7/5
Based on 39,771 reviews
Here to help
Help from UK-based experts
24/7 claims
Make a claim any time
Food and drink manufacturing insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.
If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
- one-off credit or debit card payment
- BACS payment
- Direct Debit
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
Helpful articles for food manufacturers
.webp)
Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.
Subscribe to our newsletterInsurance
Public liability insuranceBusiness insuranceProfessional indemnity insuranceEmployers’ liability insuranceLandlord insuranceTradesman insuranceSelf-employed insuranceRestaurant insuranceVan insuranceInsurersAbout
About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSection 172 statementSocial mediaSite mapAddress
6th Floor99 Gresham StreetLondonEC2V 7NG
Northampton 900900 Pavilion DriveNorthamptonNN4 7RG
© Copyright 2024 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.