Food & Beverage Insurance Program
Your Food & Beverage Business Insurance Solution
Our Food & Beverage Program is designed to serve the unique and changing needs of the industry and provides coverage options to business owners in a competitive and comprehensive package.
Coverage
Associations
Downloads
Coverage
- General Liability – up to $1M/$2M
- Liquor Liability – up to $1M/$2M
- Monoline Available
- Property
- $1,000 – $50,000 Deductibles
- Buildings
- Business Income
- Equipment Breakdown
- Coverage Extension Endorsements
- Hired & Non-Owned Auto
Optional Coverage
- Workers’ Compensation (MI)
- Cyber Liability* – up to $100,000
- $1,000 Deductible
- Excess Liability*
* Underlying policy required
Associations
MIRA is a multi-state trade association representing thousands of retailers operating in Michigan, Ohio and surrounding states. Our members include independent supermarkets, convenience stores, petroleum retailers, service stations, and specialty food markets.
Downloads
Ready to have your business covered?
Questions About Food & Beverage Insurance
Implement thorough staff training on alcohol service and food safety, maintain a safe environment, inspect equipment regularly, and enforce responsible alcohol service policies such as ID checks and monitoring patron intoxication levels.
Yes, liquor liability insurance is crucial. It covers legal fees, settlements, and medical expenses if a patron causes harm due to alcohol consumption, like accidents or injuries. It also protects against claims of serving alcohol to minors or visibly intoxicated individuals.
In addition to general liability, consider property insurance, liquor liability insurance, workers’ compensation, business interruption insurance, and possibly cyber liability insurance to cover various risks specific to your establishment.
Work closely with an experienced insurance agent or broker who understands the food and beverage industry. Discuss your specific operations, location, and potential risks to tailor a policy that provides comprehensive coverage for your business’s unique needs. If you need help finding an experienced insurance agent or broker, please contact us!
