Insurance for Food and Beverage Distributors
You run a high-stakes business. Every day, you move products, manage employees, and keep tight schedules to deliver fresh, quality food and drinks. But with the hustle comes risk—from accidents on the road to equipment failures that could bring your operation to a halt. At Restaurant Pro Insurance, we understand the challenges that food and beverage distributors face, and we’ve got a tough, no-nonsense insurance solution to cover you on all fronts.
Insurance Coverage Options for Food and Beverage Distributors
When keeping restaurants stocked and customers happy, downtime isn’t an option. Our insurance packages cover everything from your vehicles to your employees and the valuable cargo you’re hauling, so you can focus on getting the job done without worrying about what could go wrong.
Motor Truck Cargo
Transporting food and beverage products is risky business. If your cargo gets damaged, spoiled, or stolen in transit, Motor Truck Cargo Insurance has you covered—protecting the value of your shipments so you don’t take a financial hit.
Workers Compensation
Your employees are on the front lines, lifting heavy crates, driving long hours, and keeping operations moving. Workers' Compensation Insurance ensures they’re protected if they get injured on the job, covering medical expenses and lost wages so they can get back to work.
Equipment Breakdown
When critical equipment fails—like refrigeration units or loading dock machinery—it can shut down your operation. Equipment Breakdown Insurance covers the repair or replacement costs, helping you minimize downtime and return to work faster.
Cyber Liability
As your business becomes more reliant on technology, the risk of cyberattacks increases. Cyber Liability Insurance protects you from data breaches, hacking, and other cyber threats, covering costs associated with lost data, legal fees, and damage control.
Commercial Auto
Your fleet is your lifeline. Whether a single van or a convoy of trucks, Commercial Auto Insurance covers your vehicles and drivers from accidents, damages, and liabilities, ensuring your operation keeps rolling no matter what happens on the road.
Hired & Non-Owned Auto Liability
Not every vehicle on the road is company-owned. When your employees use personal or rented vehicles for deliveries, Hired & Non-Owned Auto Liability Insurance covers any accidents or damages, protecting your business from unforeseen liabilities.
Food Contamination & Spoilage
Perishable goods require constant care; even a minor refrigeration failure can result in massive product loss. Food Contamination & Spoilage Insurance covers you when things go wrong, protecting you from the financial impact of spoiled or contaminated goods.
Employment Practices Liability
Managing a workforce comes with its own set of risks. Employment Practices Liability Insurance (EPLI) covers claims like wrongful termination, discrimination, and harassment, protecting your business from costly legal battles.
Commercial Umbrella
When a lawsuit or claim exceeds the limits of your primary policies, Commercial Umbrella Insurance steps in. It adds an extra layer of protection, covering catastrophic claims that could otherwise threaten your business.
General Liability
Accidents happen—whether it's property damage during a delivery or an injury at your warehouse. General Liability Insurance protects you from legal claims to avoid costly financial hits.
Get Reliable Food and Beverage Insurance Coverage from Restaurant Pro Insurance
At Restaurant Pro Insurance, we know the pressure you’re under to deliver quality products on time, every time. That’s why we offer tailored insurance solutions that cover every angle of your operation, from the trucks on the road to the employees in the warehouse. Don’t leave your business exposed—get the protection you need. Contact us today to learn more.