Food and Beverage

Insurance Coverage for Food and Beverage Producers

food-and-beverage Insurance Food and beverages insurance

CONSACREZ VOTRE TEMPS AU CONTRÔLE DE LA QUALITÉ

Disruptions caused by industrial hazards, liability losses, machinery breakdowns, health contamination and exposure risks make up the bulk of the challenges you face as a leader in the food industry. Mitigating those impacts requires a structured risk management plan that not only puts quality control front and centre but also carves the path to your success.

An effective risk management strategy must first consider unforeseen threats that could possibly blindside you. By combining our unique perspective and knowledge, we can expose those unexpected hazards and handle them without hesitation.

See the blind sides of your risks from every angle

INDUSTRIAL HAZARDS
LIABILITY LOSSES
MACHINERY BREAKDOWN
HEALTH CONTAMINATION
EXPOSURE RISKS
REGULATORY LIABILITY

Let's build a custom insurance solution

At BFL CANADA, we offer a range of coverage solutions designed to keep your food industry organization fully operational, especially in times of crisis, and that allows you to continue enjoying the fruits of your labour.

PRODUCT RECALL
CONTAMINATION
PRODUCT RECALL
CONTAMINATION

Covers the company in the event of accidental or criminal contamination and pays for withdrawal costs, losses caused by a recall, as well as operating losses and product rehabilitation costs declared by your company or by public authorities.

Whether such contamination or recall is caused by the abnormal development of a natural component, a dosage or design error, a safety defect, the presence of foreign substances, a change in food hygiene standards or laws, or whether the product is qualified as unfit or dangerous to health, this insurance protects you.

Given the large number of frozen deals and the scarcity of new processes on the market, buyers with available capital to implement will tap into their networks to find exclusive business opportunities.

FOOD MANUFACTURER’S ERRORS AND OMISSIONS
FOOD MANUFACTURER’S ERRORS AND OMISSIONS

Covers your business in the event of physical or material damage to a third party or financial loss resulting from fault, negligence or recklessness on your part.

This insurance policy ensures your defence in case of possible legal proceedings and bears the costs incurred.

BUSINESS INTERRUPTION
BUSINESS INTERRUPTION

Covers your business in the event of a disaster that causes a serious reduction or even a total stoppage of your production.

This policy also covers additional costs such as the cost of decontaminating machinery, the cost of destroying unsold contaminated products, additional costs for re-marketing the products and professional fees, so that your activities can resume as soon as possible.

FREIGHT TRANSPORT
FREIGHT TRANSPORT

Overland route

Protects against the risks related to logistics and goods transported by truck in the event of a collision, overturning or rollover that would damage your products or delay customer delivery. Your products are also covered in case of loss due to theft or fire.

Seaway

Covers the product from the beginning of the journey to its point of sale, regardless of the location of the loss. Also insures your product in the various warehouses and in transit from your door to your client’s door.

DIRECTORS AND OFFICERS LIABILITY AND EXECUTIVE RISKS
DIRECTORS AND OFFICERS LIABILITY AND EXECUTIVE RISKS

Protects your corporate entity and its directors’ and officers’ personal liability from third-party lawsuits and defence-related costs. Coverage should include employment practices liability, environmental liability defence costs, outside directorship liability and more.

ENVIRONMENTAL
POLLUTION LIABILITY
ENVIRONMENTAL
POLLUTION LIABILITY

Covers the risks of environmental damage that your company could be held responsible for as a result of an accident during product loading and unloading or the collision/overturning of a conveyance vehicle. This policy protects you against a claim for pollution or environmental damage and associated costs that could be devastating for your business.

EQUIPMENT BREAKDOWN
EQUIPMENT BREAKDOWN

Covers costs related to physical damage or financial loss in connection with a machinery breakdown or equipment failure (heating, air conditioning or refrigeration) that could cause the loss of perishable goods. This insurance policy will cover the cost to repair or renew the machine.

Your team of local advisors

The BFL Canada advantage

BFL CANADA has achieved extraordinary growth because of our consistent ability to perform and deliver due to our expertise, professionalism and dedication, as well as our entrepreneurial culture. This culture and work ethic have driven our growth and attracted organizations with which we have established meaningful and mutually beneficial partnerships.

Learn why

Make a difference today, start planning for tomorrow.

Book your preliminary risk assessment with a BFL CANADA advisor.
CALL YOUR LOCAL BFL CANADA OFFICE
WRITE TO YOUR LOCAL BFL CANADA OFFICE