Food & Beverage

The food and beverage industry operates under intense regulatory scrutiny and consumer expectations.

From raw ingredients to finished goods, every step in the supply and cold chain must be carefully managed to avoid contamination, loss, or legal exposure

  • Contamination (biological, chemical, or allergenic), which can lead to serious health risks and liability

  • Spoilage and temperature breaches, particularly in perishable goods and cold storage

  • Product liability and quality defects, especially for export or regulated markets with reputational and financial consequences

  • Supply chain disruptions, causing shortages or delays in ingredients and packaging

  • Fire and equipment breakdown in production or storage facilities

  • Compliance risks, related to food safety laws, labeling, and traceability regulations

  • Natural disasters (Acts of God) such as floods, typhoons, earthquakes, or lightning

  • Environmental and regulatory risks, including emissions, waste, or hazardous materials

  • Strikes, riots, and civil commotion, posing safety threats or causing operational shutdowns

  • Structural collapse or collision, involving buildings, cranes, or transport vehicles

  • Property All Risks including Fire and Explosion
  • Machinery Breakdown
  • Business Interruption
  • Environment Liability
  • Public & Product Liability
  • Marine Cargo
  • Trade Credit
  • Cyber Security Insurance
  • Worker’s Compensation
  • Health & Accident Insurance

 

Manufacturing Industries

Comprehensive coverage for service-based businesses.

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