From fresh produce and chilled goods to frozen
and ambient products, food wholesalers face
risks that can affect stock, premises, vehicles,
employees and the ability to keep goods moving.
We help food wholesalers consider the insurance
requirements around their operation — from
refrigeration and spoilage to liability,
goods in transit and business interruption.
Your stock may need to stay at a specific
temperature. Your premises need to keep operating.
Goods need to reach customers safely and your
employees need to be protected.
We can help you consider the risks across the
whole operation.
Food stock can have a limited shelf life and may depend on temperature control. Damage, deterioration or spoilage can create a significant financial exposure.
Chilled and frozen products can be particularly vulnerable to refrigeration or temperature control problems, including unexpected equipment failure.
Warehouses, cold stores, offices, equipment and contents can all be exposed to risks such as fire, escape of water, theft and other insured events.
Your goods may spend part of their journey outside your premises. Vehicles, drivers, loading and unloading can introduce additional risks.
Supplying food products can create liability exposures involving customers, third parties, products and your business activities.
Warehouses, loading areas, delivery operations and manual handling can all create risks for employees and other people working around your business.
Food wholesalers can have a combination of
property, stock, liability, transport and
business interruption exposures.
The right combination of cover depends on your
products, premises, distribution arrangements
and how your business operates.
For many food wholesalers, the value of stock
isn't simply about what's sitting in a
warehouse.Chilled and frozen products may depend on
refrigeration and temperature control, while
fresh products can have a limited shelf life.
We can discuss the circumstances in which
spoilage or deterioration cover may be
appropriate for your operation.
Consider protection against certain claims involving third parties arising from your business activities.
Food products supplied to customers can create specific liability exposures that should be considered when arranging cover.
Cover can be considered for premises, warehouse contents, equipment and other business assets.
An insured event affecting your premises or equipment could interrupt trading. Suitable cover may help address certain resulting financial losses.
If you transport food products to customers, cover can be considered for goods while they are being moved.
Businesses employing staff may need Employers' Liability insurance to address certain liabilities arising from employees.
Your delivery vehicles and other commercial vehicles can require their own insurance arrangements.
Specialist equipment such as refrigeration systems can be an important part of the operation and should be considered.
Technology, payment systems and customer data can create additional exposures for modern wholesale businesses.
The risks can vary considerably depending on the
products you handle, how they are stored and how
they reach your customers.
Whether you're supplying chilled produce locally
or distributing frozen goods across the country,
your insurance should reflect how you operate.
Fresh meat, dairy, produce and other temperature-sensitive products can introduce additional stock and refrigeration risks.
Frozen products can depend heavily on continuous refrigeration and suitable storage conditions.
Dry, canned, packaged and other ambient products may have different storage, premises and stock exposures.
Meat and poultry wholesalers can face specialist risks around temperature control, stock, contamination and distribution.
Fresh produce can have short shelf lives, making storage, temperature and transport particularly important considerations.
Many wholesalers handle a combination of chilled, frozen and ambient goods, creating a broader range of operational risks.
For businesses handling chilled and frozen
products, refrigeration isn't simply another
piece of equipment.
It can be fundamental to keeping stock
saleable and maintaining the supply chain.
A refrigeration failure, power interruption
or temperature problem can potentially turn
valuable stock into a significant loss.
Your refrigeration equipment is essential to maintaining the required conditions for your stock.
A loss of power can affect refrigeration systems and potentially the condition of temperature-sensitive goods.
The maximum value of chilled and frozen stock held at your premises should be considered carefully.
Backup arrangements, monitoring and procedures can form an important part of managing the cold chain.
Once your products leave your premises, there can
be another set of risks to consider.
Vehicles, drivers, loading and unloading, goods in
transit and temperature-sensitive deliveries can
all form part of your distribution operation.
Whether you operate your own delivery fleet,
use third-party carriers or a combination of
both, the way your goods move can affect the
insurance arrangements you need.
We can consider the different stages of the
journey and the risks associated with them.
Goods being prepared and loaded onto vehicles can create risks involving stock, employees and property.
Once goods are on the road, accidents, theft and damage can potentially affect stock and deliveries.
Chilled and frozen deliveries may require appropriate temperature control throughout the journey.
Deliveries can create additional risks when goods are unloaded and handed over to customers.
Food wholesalers don't simply store and transport
products. They supply products that ultimately
reach other businesses, retailers and consumers.
That creates a different set of liability
considerations around the products you supply,
your activities and your responsibilities within
the supply chain.
If a product supplied by your business is
alleged to have caused injury, illness or
damage, your business could face a claim.
Product Liability insurance can be an
important consideration for businesses
involved in supplying food products.
Consider protection against certain claims arising from products supplied by your business.
Food contamination can potentially create significant financial and operational consequences.
Depending on the circumstances, product recall and associated costs may need to be considered separately.
A food wholesaler can have a very different risk
profile from another commercial business.
Rather than starting with a generic package,
the conversation should start with understanding
how your business actually operates — what you
store, where you store it, how you distribute it
and who you supply.
Your premises, stock, refrigeration, vehicles, employees and distribution arrangements all form part of the overall risk.
We can look beyond a single liability policy and consider the different areas where your business could be exposed.
The appropriate covers depend on your individual circumstances, meaning your insurance can be structured around the risks relevant to you.
Insurance can be complicated, particularly when your business involves stock, refrigeration, distribution and multiple areas of liability.Here are some of the questions we commonly need to consider when looking at a food wholesaler's insurance requirements.
Tell us about your food wholesaling operation and we'll help you understand the insurance options available for your individual circumstances.
Discuss Your Insurance →Tell us a little about your food wholesaling business and we'll start by understanding how you operate.From premises and stock to refrigeration, delivery vehicles and liability, we'll help you identify the areas that need to be considered.
Complete the form and tell us about your business.
Insurance is subject to individual underwriting requirements and the terms, conditions and exclusions of the relevant policy.
