Food & Beverage Sector

There is a reason why 99% of our Commercial Customers renew their policies with us year after year.

Food and Beverage Business often find themselves in the frontline in many topical and difficult issues from trade related Brexit style issues to an exposure to the vagaries of a legal system that often takes no account of the difficulties of operating a business on a day to day basis in the real world. Renewing you Insurance can be another fraught experience.

When it comes to renewal of covers we specialize in Managing the process to ensure that any issues that arise are dealt with comprehensively so that you start to establish a track record that enables you renew your covers seamlessly  thereafter. At Crottys we pride ourselves on our ability to identify your issues early make a comprehensive submission that works for you and the Underwriter ensuring you get the covers you require be it Property & Business Interruption Insurances or Liability Coverages.

Good Management practices can mitigate a lot of the Liability Insurance Risks which a food risk presents – and a properly managed & regularly reviewed Quality Control system will give an underwriter peace of mind when considering the Product Liability risk. Territories to which you Export your products will impact on premium.

We have the experience to deliver the right cover at the right cost for you – our existing Clients include companies in the following sectors :

• Fish Processor & Exporters,
• Petfood Manufacturers
• Waste Food Processing Company
• Ingredient suppliers
• Wine / Spirits Importer & Distributors
• Beer Importers & Distributors
• Confectionary Wholesalers

We provide review, quotation & cover arrangement to meet your needs in respect of the following Policy Cover Classes:

• Material Damage Insurance on Property & Stock, including full cover on Composite-Panelled Risks where possible
• Full Analysis of your Business Interruption Insurance exposure including examination of what Indemnity Period, Suppliers and Customer Risk your particular Risk requires
• Employers, Public & Product Liability Insurance
• Product Recall Insurance – are you exposed and if so is there affordable policy protection available?
• Insurance on Duty Payable for those with Bonded Warehouses
• Marine Insurance / Stock Throughput Insurance / Goods in Transit Insurance
• Motor Fleet Insurance
• Directors & Officers Liability Insurance (D&O)
• Environmental Impairment Insurance – Own Site Damage & Third Party Damage