Food and Drink Insurance

Cutting edge insurance solutions and risk advice that keep pace with your business.

Get a quote 020 8349 5100

The food and drink industry is fast moving and dynamic. New risks are emerging as the industry continues to grow, evolve and become more automated with cybercrime becoming a growing concern. Businesses need to adapt to these changes and their insurance needs to keep pace.

We understand that every business has its own complex operations, processes and risks. Whilst there are some commonalities - such as incidents affecting property, plant and machinery and the liability risks that come from employing people – a one size fits all approach to insurance does not work. So whether your business is a food and drink manufacturer, wholesaler, bakery, restaurant, cafe or bar, understanding your risks and finding the right insurance is vital. 

At Ashley Page we work closely with you to understand the individual nature of your business, it challenges and risks, to create a bespoke solution that helps to protect you should the worst happen and minimise your loss.

Standard Covers

  • Contents.

  • Stock.

  • Tenants improvements.

  • Business interruption.

  • Money

  • Employers liability.

  • Public liability.

  • Products Liability.

  • Goods in transit.

Optional covers

Insurance for Food and Drink Companies From Ashley Page

When you work with Ashley Page, you get access to a team of experts that understands your industry inside and out. 

As your trusted adviser, we will work with you to understand the precise nature of your business and the risks you face, before helping you to secure tailored cover - a single policy that provides the bespoke protection you need.

We will review:

  • General commercial covers - from property, contents, stock and money, to more specialist covers like marine cargo, engineering breakdown and product recall.
  • Liability insurances - securing the right level of employers, public and products liability cover to protect you if the worst should happen.
  • Business interruption - we will work with you make sure you have in place the level and length of cover your business will need to recover from a major loss - for instance a fire or flood.

We work closely with the UK’s leading insurers, which means we have enhanced policy wordings to cover risks such as deterioration of stock, goods in transit, seasonal stock increases, and risks associated with floating stock cover over multi sites or storage sites. 


Risk Management from Ashley Page

We act as your in house insurance broker, providing you with proactive support, advice and guidance on how best to manage your risks, which in turn can help to reduce your premiums. For instance, we will:

  • Review previous claims to identify patterns and provide proactive risk management advice to help minimise risk exposures.
  • Provide risk management advice, health & safety checklists and toolkits to help further reduce risk.


Ongoing Support: Help from Placement to Claims

Our focus is on acting as a trusted advisor, so we will always be on hand to offer advice and support when you need it.

We will:

  • Offer a dedicated account manager, your first point of call for help with risk management and insurance.
  • Carry out regular reviews to make sure your insurance arrangements keep up with the changing needs of your business.
  • Help to minimise the impact of a loss - supporting your efforts to put in place disaster recovery plans, providing insurer toolkits and putting you in touch with specialist help if required.
  • Offering dedicated claims support - we’ll always be in your corner, offering responsive advice and support when you need it most.
Get a quote 020 8349 5100

Our Food and Drink Experience

We have more than 40 years’ experience working with a wide range of businesses in the food and drink sector, from small family run firms to large national manufacturers. We pride ourselves on building trusted partnerships with all of our clients, providing the highest level of professional service at all times.

We have expertise in providing a wide range of relevant insurance solutions, including:

  • Restaurant insurance.
  • Food distributors insurance.
  • Food and drink manufacturers insurance.
  • Product recall insurance.
  • Pharmaceutical manufacturers insurance.

Find out how we could help protect your business today.

Related FAQs

See all FAQs

Why do I need my Employer Reference Number (ERN) when I take out an insurance policy?

If you require employers liability and your business is not exempt from holding a HM Revenue & Customs (HMRC) Employer Reference Number (ERN), you’ll need to provide us with your ERN. Insurers need to give employers liability insurance policy details including, where appropriate, your ERN, to the Employers' Liability Tracing Office (ELTO) who will add the details to their electronic database. The database helps people who have suffered injury or disease at work in the UK to quickly and easily find the insurance company which was providing employers liability insurance at the time their injury or disease was sustained.

What is an engineering policy and do I require one?

There is a statutory requirement to perform periodic inspections on certain types of plant or equipment. An engineering policy will provide access to and cover the cost of professional inspection services, and can be extended to provide sudden and unforeseen damage cover including breakdown. If you own or operate equipment that requires regular inspection, you may need engineering cover. Examples of plant or equipment requiring regular inspection include: lifts, forklifts, power presses, exhaust ventilation plant, stored air or steam pressure, plant fitted with hydraulics, chains, wires or ropes.

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