Food businesses face product claims, spoilage, delivery accidents and workplace injuries all at once. We insure food manufacturers, importers, wholesalers and distributors in Southern California with packages that cover the product, the warehouse, the trucks and the people.
Start a food manufacturers & distributors quote or call 888-391-5981.
Common risks
- A customer becomes ill from a contaminated product
- A refrigeration breakdown or power outage spoils inventory
- A delivery van or box truck is in an accident
- A warehouse employee is injured
- A customer or distributor requires higher limits than you carry
Coverage most food manufacturers & distributors need
| Coverage | Why it matters |
|---|---|
| Product liability | Illness or injury caused by food you make, import or distribute. |
| Commercial property & spoilage | Your building, equipment and inventory, plus spoilage from equipment breakdown or power loss. |
| Commercial auto | Delivery vans and trucks. |
| Workers compensation | Required for employees in California. |
| Umbrella / excess | Extra limits required by large distributors and grocery chains. |
California requirements & what to know
Large customers and distributors commonly require product liability limits, additional insured status and proof of workers compensation before they’ll buy from you. We review your contracts so your certificates are ready when you need them.
Why business owners work with Pierce
- We’re an independent agency with access to standard carriers and specialty (surplus lines) markets, so we can place risks many agents turn down.
- A licensed agent handles your account from quote to renewal.
- Certificates of insurance, additional insureds and policy changes are handled fast. Request a COI.
- Local offices in San Dimas and Monrovia.
Related: Manufacturers & products · Restaurants · Commercial auto · Workers comp
Frequently asked questions
Does a business owner’s policy (BOP) cover a food manufacturer?
Sometimes for very small operations. Most manufacturers and distributors need a commercial package with product liability and spoilage coverage.
Can you insure an importer?
Yes. Importers are treated like manufacturers for product liability because the overseas maker usually can’t be sued here.