Food & beverage
Contamination can move rapidly through customers, batches and brands.
Food and beverage risks require careful separation of liability, contamination, recall and business-interruption exposures.
Products and process
Underwriters evaluate ingredients, allergens, kill steps, refrigeration, shelf life, packaging, contract processing, imports, certifications and customer concentration.
Traceability
One-step-forward and one-step-back records, lot coding, supplier documentation and mock recalls help limit the scope of an incident.
Liability versus contamination
Third-party injury claims, your own recall costs, customer recall costs, malicious tampering and business income may sit in different coverage sections or policies.
Contracts
Co-packers, ingredient suppliers, distributors and retailers often impose indemnity, additional insured, testing and recall-cost obligations.
Product liability guidance