Commercial industry
Food Manufacturing and Food Processor Insurance
Food manufacturing is a products-liability and spoilage account before it is a building account. A recall, a cooler failure, or a foreign-material claim will test the file harder than a broken window. We place commissaries, specialty food plants, and processors that are still commercial — not a restaurant kitchen that wholesales a little bread.
If you are a storefront bakery, start on that page. If you are a full plant with retailers or distributors as customers, this is the chassis. Texas, Indiana, Pennsylvania, Arkansas, and Washington show up most often on these applications.
Risks we actually schedule
- Contamination, recall, and products claims on goods already on a retailer’s shelf.
- Refrigeration or cooker breakdown and the spoilage of a run.
- Fire in a grease- or dust-rich production room.
- Warehouse and transit losses on finished goods that left the plant.
Frequently asked questions
Do we need product-recall coverage?
If you sell into grocery or food service, discuss it. Recall expense is not automatic on a package, and a retailer will not wait for your GL to argue about it.
Is a commissary a restaurant or a manufacturer?
If the output is packaged or delivered as product, it is manufacturing. If the output is tonight’s catering, see our catering page. Many operators are both — we split the receipts.
Does Washington L&I apply to plant staff?
WA-situs plant payroll generally stays with L&I. We place stop-gap and private WC for competitive-state plants.
Related coverage, industries, and locations
General Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsCommercial Property
Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.
Coverage detailsEquipment Breakdown
Boilers, refrigeration, production machinery, diagnostic equipment, and the business income that follows a mechanical failure.
Coverage detailsInland Marine
Tools, equipment, cargo, installation jobs, and property that moves — the coverage a building policy leaves behind.
Coverage detailsWorkers Compensation
Private WC in competitive states, plus stop-gap and multi-state design. Washington employers stay with L&I for WA payroll.
Coverage detailsManufacturing
Products liability, property, equipment breakdown, and the payroll story of a plant that actually makes things.
Industry pageWholesale and Distribution
Warehouse property, fleet, products liability, and cargo for distributors who move other people’s shelves.
Industry pageRetail Bakery
Ovens, spoilage, products, and a storefront that also sells coffee — written as food retail, not a cafe-only BOP.
Industry pageArkansas
Licensed commercial insurance broker serving Arkansas.
State page