Does beverage insurance cover risks like contamination, equipment breakdown, or product recall?

Yes, with the right policies in place: 

  • Product Recall Insurance covers costs for recalling unsafe or contaminated beverages, including notification, shipping, disposal, and crisis PR. 
  • Equipment Breakdown Coverage protects against production interruptions caused by machine failure. 
  • Commercial Property Insurance covers raw materials and finished goods if damaged by fire, theft, or storms. 
  • Workers’ Compensation covers employee injuries tied to production, bottling, or chemical handling. 

Food and beverage recalls can cost manufacturers millions, making recall insurance and liability coverage essential. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.