Insurance for food and drink producers.
Product liability that reflects contamination and allergen risk, cover for stock and cold storage, and a broker who knows a chocolate producer and a dairy carry very different exposures.
Food & drink manufacturing insurance
Usually includes
Product liability
Employers’ liability
Premises & contents
Stock & ingredients
Plant & machinery
Business interruption
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The premises, your plant, your stock and your product liability, priced in one go rather than piece by piece.
Know your cover
What is food & drink manufacturing insurance?
Food production carries risks that few other trades do: contamination, allergen mislabelling and spoilage can all cause real harm and trigger recalls. Cold-chain products add refrigeration dependency on top.
Protects against your product
Contamination or an allergen labelling error. That’s what product liability covers.
Protects your staff
Employers’ liability is required by law the moment you take on staff, whether production or cold store.
Protects your stock and ingredients
Ingredients and finished product, including refrigerated and frozen stock.
Who it’s for
Whatever you produce.
✓
Chocolate & confectionery makers
Artisan and volume sweet production.
✓
Dairy producers
Milk, cheese, yoghurt and dairy products.
✓
Ice & ice cream producers
Frozen products with cold-chain dependency.
✓
Preserve & jam makers
Jams, chutneys, sauces and preserved products.
✓
General food manufacturers
Ambient, chilled and frozen food production.
✓
Pet food manufacturers
Pet food and animal feed production.
What we cover
Cover built around what you make.
We get to know your production process first, then build the policy around it.
Product liability
Contamination or an allergen error reaching a customer. This is cover for what happens after dispatch.
Employers’ liability
Production and cold-store work carry real injury risk, required by law with staff.
Premises & contents
Your production facility or unit, and the fixtures inside it.
Stock & ingredients
Ingredients and finished product, including refrigerated and frozen stock.
Plant & machinery
Production lines, mixers, ovens and refrigeration plant.
Business interruption
Lost output while production is stopped, not just the repair bill.
Legal expenses
Product disputes, supplier disagreements and the cost of defending a claim.
Goods in transit
Moving finished product to distributors, retailers or customers.
Cyber & data
A compromised control system stopping production, and the traceability records you would have to rebuild.
Who this cover tends to suit.
This cover is generally bought by food and drink manufacturers. It brings together product liability, employers’ liability (where staff are used) and cover for premises, plant and stock. It won’t suit every business. If your risk profile is different, tell us and we’ll pick it up when we speak.
Worth knowing
Check the details before you choose.
Allergen labelling
Mislabelling is one of the most serious risks in food production.
Cold chain & refrigeration
Refrigeration breakdown can write off stock and stop production.
Contamination & recall
A batch problem can mean recalling product already on shelves.
Food safety certification
Hygiene standards and traceability are central to this trade.
Every product has its own risks.
An artisan chocolate and a frozen dairy line don’t carry the same risk, so we ask different questions for each.
Food manufacturing
Chocolate
Confectionery
Dairy products
Ice cream
Ice manufacturing
Jams & preserves
Pet food
Food manufacturing
Chocolate
Confectionery
Dairy products
Ice cream
Ice manufacturing
Jams & preserves
Pet food
Bakery production
Sauces & condiments
Ready meals
Frozen food
Chilled food
Snack production
Contract food packing
Trade food supply
Bakery production
Sauces & condiments
Ready meals
Frozen food
Chilled food
Snack production
Contract food packing
Trade food supply
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
Allergens and cold chain, before we quote
Contamination, allergens, cold chain. We know what moves a food producer’s premium.
02
Cover that reflects your product
Chocolate and dairy carry very different risk. We build around what you actually produce.
03
Product liability that fits your process
Ingredients, allergens, traceability. All change the risk. We set it up properly.
04
We present the risk right
Product type, storage, distribution. How it’s framed changes what you pay.
You talk to a person. The machines do the typing.
Free review of your food & drink manufacturing cover and costs.
Told your product’s too niche to place easily? Leave your details and we’ll call you straight back. Not for us.
What the review covers
We go through the policy you have now, so you can see what it does and doesn’t cover against contamination, allergen labelling and cold-chain risk in this trade.
We point out the terms that catch food producers out most often, refrigeration-breakdown conditions and product-recall triggers among them, so you can check yours.
We approach insurers on our panel who write food and drink manufacturing, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Food & drink manufacturing questions, answered straight.
What insurance does a food manufacturer actually need?
Is refrigerated stock covered if the cold store fails?
What happens if a product is recalled?
Does allergen labelling affect my cover?
What if I produce more than one type of food?
Is my machinery covered if it breaks down?
How does exporting affect the cover?
What happens if I run more than one site?
What's product liability, and why does it matter so much for manufacturers?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.