Food contamination is a broad term that can encompass accidental contamination and malicious product tampering. Which Food contamination can affect any part of the distribution chain, such as restaurants and other food service establishments in the hospitality industry as well as food manufacturers, processors and distributors.
With a recent report from the Centers for Disease Control, 1 in 6 Americans will get food poisoning from known and unknown bacteria, viruses and microbes each year resulting in about 128,000 hospitalizations and about 3,000 deaths. Distinctions in the definition of “property” have allowed some food contamination claims to be covered under business property insurance or general liability insurance, but in many cases, losses stemming from adulterated or spoiled food are insured only under Food Contamination insurance.
Closely associated with food contamination coverage is food recall or product recall insurance, and often the two can be combined. Sometimes, especially in the food service industry, food contamination insurance will be bound with coverage for spoilage. We develop a deep knowledge of our clients’ risks and recommend policies tailored to your needs.
We will not only craft a comprehensive food manufacturing insurance program, but our risk experts will also evaluate your overall financial assets and operations to advise you on important areas of risk transfer, vendor agreements, food safety and quality, food spoilage, dependent supplier exposures, and product liability.
When you partner with Sinclair, you receive industry expertise, innovative food manufacturing insurance products, risk-management programs, and long-term solutions. Give us a call at 203.265.0996, email us, or fill out the quote form on this page to find more about our approach to risk management and insurance in the food & beverage manufacturing industry.