Food & Drink Manufacturing Insurance

Protecting your production facility, your equipment, your stock, and your reputation.

Whether you run a bakery, brewery, bottling plant or large production line, the food and drink manufacturing industry carries unique risks. High-value machinery, temperature-sensitive stock, hygiene standards, contamination exposure and tight regulation mean that one disruption can have significant financial consequences if not properly insured.

Food & Drink Manufacturing Insurance is designed to provide comprehensive protection for your business, covering everything from property damage and product liability to breakdown, contamination, and business interruption.

At The Yorkshire Broker, we take the time to understand your production processes and operational challenges, then arrange cover tailored to your business.

Who is this cover for?

This type of insurance is suitable for all areas of food and beverage production, including:

Food manufacturers and processors
Bakeries, patisseries and confectioners
Breweries, distilleries and cider producers
Soft drink and bottled beverage manufacturers
Dairy and cheese producers
Meat, poultry and fish processors
Ready meal and prepared food manufacturers
Artisan food producers and independent makers

It offers essential protection for both large production facilities and small commercial producers.

What does Food & Drink Manufacturing Insurance cover?

A policy can provide protection for your buildings, plant, machinery, stock, raw ingredients and packaged products against insured incidents such as fire, flood, accidental damage, theft or equipment failure.

Cover can also include:

Buildings, plant & machinery

Protection for premises and production equipment, including ovens, mixers, refrigeration systems, bottling and packaging lines.

Stock & temperature-controlled goods

Including raw ingredients, prepared batches, finished stock, and goods stored in cold environments.

Optional deterioration of stock cover is available for frozen or chilled goods.

Public & products liability

Cover if someone suffers illness, injury or damage as a result of your products or manufacturing processes.

This can extend to:

food poisoning
allergen exposure
contamination
foreign object incidents

Business interruption

Protection if you are unable to operate following an insured event, helping you manage loss of income and increased operating costs.

Employers’ liability

Legally required if you employ staff, covering injuries and illnesses sustained in the course of work.

Product recalls (optional)

Support with the costs of withdrawing defective or contaminated products from the market.

Engineering inspection (optional)

Statutory inspections for:

lifting equipment
pressure systems
boilers and compressors
refrigeration systems

Goods in transit (optional)

Protection for goods delivered between sites, customers or suppliers.

Cyber cover for manufacturers (optional)

Protection for systems failures, ransomware, data breaches and digital attacks linked to automated processes.

Why specialist insurance matters

Food and drink manufacturers face risks that standard policies do not typically consider, such as:

batch contamination

equipment breakdown

hygiene and regulatory exposure

stock spoilage due to temperature loss

product recall costs

supply chain disruption

A dedicated policy is designed to respond to the specific challenges of the industry, reducing the impact of disruption and helping protect your brand reputation.

Why choose The Yorkshire Broker?

We understand that no two manufacturing operations are identical, and that every producer faces distinct risks based on their supply chain, processes and environment.

Working with us means:

Advice from experienced specialists
Access to a wide range of insurers offering tailored solutions
A friendly, personal service
Support throughout the life of the policy
Help when you need to make a claim

Our role is simple, to make protecting your business straightforward.

Protect your production with confidence

Call The Yorkshire Broker today on 01924 929070 to discuss Food & Drink Manufacturing Insurance for your business.