Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public and product liability insurance?

Claims against your business for:

• injuring someone else while you’re working, or afterwards as a result of your work
• damaging someone else’s property while working, or afterwards because of your work
• injury or damage caused by your employee (remember, if you employ people, you must have employers’ liability insurance – it’s a legal requirement)

For example:

• someone trips over a bag on the floor in your premises, causing them to break their ankle
• you accidentally knock a client’s laptop onto a hard concrete floor, damaging it beyond repair
• your employee smashes a TV while working in a client’s house

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your food manufacturing business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury that happens as a result of working for you (including temps and casual workers)
• an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your employee injures their lower back while moving furniture at your premises and holds you responsible
• an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
• a member of staff trips over while unloading business equipment, injuring their knee

Building insurance

In case something happens to your off licence premises.

What’s typically covered by building insurance?

Claims against your business for:

• repair and rebuild costs after damage caused by a storm, fire, or vandalism
• fittings and fixtures that get damaged
• underground pipes and cables, if you’re responsible for them

For example:

• someone tries to force entry into your shop, damaging the door, which needs replacing
• a burst pipe causes water damage to floorboards and walls – they need to be replaced
• equipment catches fire and damages your building, which will need to be completely rebuilt

Read more about business and office equipment insurance

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by contents insurance ?

Claims against your business for:

• accidental damage to your contents, or the equipment you use to run the business
• theft, flood, and fire damage

For example:

• someone breaks into your business premises and steals three company laptops, as well as two sets of headphones
• a faulty dishwasher floods your office kitchen, causing damage to several appliances
• your business equipment is damaged by vandals during a break-in

Read more about content insurance and business and office equipment insurance

Tools insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tools insurance?

Claims against your business for:

For example:

Read more about tools insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

• theft or vandalism to your stock

• other loss or damage to your stock, for example through fires or floods
• essential stock that you need to sell in order to operate

For example :

• your equipment is faulty, causing fresh produce that you keep as stock to go off
• water from a flood destroys stock and you have to throw it away
• a thief clears out your stockroom – you have to replace stock quickly to operate

Read more about stock insurance

Own plant insurance

In case plant machinery, like excavators, you own is lost, stolen, or damaged.

What’s typically covered by own plant insurance?

Claims against your business for:

• replacement of own plant machinery should yours be damaged or stolen

• water damage to your own plant machinery
• accidentally injuring someone else while you’re working, or afterwards as a result of the work you’ve done

For example :

• an excavator is stolen during an overnight break-in at your works site
• you drill through a water pipe while working on a construction site, causing extensive damage
• your storage unit is flooded, damaging your cement mixer and generator beyond repair

Read more about own plant insurance

Legal expenses insurance

In case you’re hit with legal expenses connected to your food manufacturing business.

What’s typically covered by legal expenses insurance?

Claims against your business for:

• costs and expenses for contractual disputes arising from an agreement
• cases relating to civil action taken against you for compensation under data protection legislation
• employment disputes and compensation, for both employees and volunteers

For example:

• a client says that your work wasn’t delivered on time and that you didn’t meet your contractual obligations, and they’re refusing to pay
• your employee leaves their laptop unattended in a coffee shop, and a third party is able to lift a customer’s data
• you need to dismiss an employee following client complaints, and they threaten to file an unfair dismissal lawsuit

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

• accidental injury or death at work or elsewhere, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• you twist your ankle while exercising and can’t work for over a week
• one of your employees, who’s named on the policy, traps their hand in a car door and needs to rest it for two weeks
• you’re working near a building site and an extremely loud noise results in sudden hearing loss

Read more about personal accident insurance