Food Manufacturing Insurance

Overview of the Program from Colonial General Insurance Agency, Inc.

This program is built for independent agents and brokers who need reliable markets for food manufacturers and processors. Colonial General places accounts through admitted and excess & surplus markets (Some Available Markets / Varies by carrier), giving you options for accounts that require standard admitted paper or more flexible E&S placement. The program combines industry-aware underwriting with capacity for higher limits and specialty coverage features relevant to food risks.

Ideal Accounts and Appetite

• Small to mid-size food manufacturers and processors operating under specified classifications.
• Typical fits include bakeries and packaged baked goods, snack and confectionery producers, dairy and cheese processors, beverage bottlers, canned and frozen food processors, and similar manufacturers of consumer food products.
• Good candidates have documented food safety and sanitation programs, routine equipment maintenance (especially refrigeration), and reasonable loss histories. Accounts with ongoing or unresolved contamination/recall histories may require referral to specialty carriers.

Coverage Highlights and Advantages

Key liability and property features under this Colonial General program include:

• Commercial General Liability — Primary limits up to $3,000,000 occurrence and aggregate.
• Hired and Non-Owned Auto and Liquor Liability where applicable.
• $5,000 Medical Payments—Included.
• Vendors Additional Insured status available.
• Limited Product Withdrawal Expense—$5,000 limit—Included.
• Excess / Umbrella capacity up to $25,000,000 to broaden limits and aggregate protection.

Crime coverage options:

• Inside the Premises—Theft of Money and Securities.
• Inside the Premises—Robbery or Safe Burglary of Other Property.
• Outside the Premises coverage.

Property coverages commonly available:

• Accounts Receivable, Building, Contents, and Computer Equipment.
• Basic, Broad, or Special form property wording; Replacement Cost or Actual Cash Value options.
• Business Income and Equipment Breakdown.
• Food Spoilage—$5,000 limit—Included (higher limits available on request).
• Outside Signs and Valuable Papers.

Underwriting Notes and Submission Guidance

• Provide current loss runs, a description of production processes, revenue by product line, and details on refrigeration/redundancy and food safety programs.
• Underwriters evaluate product handling, storage temperatures, supplier controls, recall plans, and prior recall history.
• Accounts with complex chemical processing, on-site slaughter operations, or significant prior contamination losses may face tighter terms or referral to specialty carriers.
• Minimum premiums and specific terms vary by carrier and state — contact Colonial General for current appetite and target pricing guidance.

Territories and Availability

This program is available in the following states: AZ, CA, CO, ID, NV, NM, UT, WY. Placement may be admitted in some states and non-admitted (E&S) through other markets depending on the account characteristics and carrier appetite.

Why Work with Colonial General on Food Manufacturing Business

• Access to multiple carrier markets (both admitted and E&S) through a managing general agency and excess & surplus lines broker.
• Program structure that includes food-specific features such as included food spoilage and limited product withdrawal expense.
• Capacity for elevated umbrella limits (up to $25M) to support accounts with larger liability needs.
• Underwriting that focuses on the practical exposures of food manufacturing—helping you place accounts efficiently with appropriate coverage forms.

Example Account Scenarios

• You have a regional bakery producing packaged breads and pastries sold to retail chains—seeking property, GL, spoilage coverage and a vendors additional insured endorsement. This program can provide monoline property with food spoilage limits and GL limits up to $3M.
• A mid-size beverage bottler with refrigerated storage and refrigerated delivery—needs equipment breakdown, spoilage, and umbrella protection. Colonial General can access E&S capacity and excess limits to build a tailored tower.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.