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 & Highlights
Target Classes
Submissions & Downloads
Association Partners
Coverage & Highlights
PROGRAM HIGHLIGHTS
- Exclusive, A.M. Best A- Rated Program Carrier
LIABILITY
- General Liability
- Liquor Liability
- Cyber Liability
PROPERTY
- Buildings
- Business Income
- Business Personal Property
- Improvements & Betterments
- Equipment Breakdown
- Property Enhancement Endorsements (20+ Additional Coverages)
COMMERCIAL AUTO
- Hired & Non-Owned Auto
LESSORS RISK ONLY
- Available if tenant coverage has or will be placed with Conifer
Target Classes
- Bars & Taverns
- Wine Bars & Bistros
- Restaurants
- Fraternal Organizations
- Beer, Wine & Liquor Stores
- Convenience Stores
- Juice & Smoothie Bars
- Coffee & Donut Shops
- Bagel Shops, Cafes & Bakeries
- Ice Cream Parlors
Submissions & Downloads
SUBMISSION REQUIREMENTS
- Food & Beverage Application, Acords or Competitor Applications
- Loss Runs
Completed applications and loss runs can be sent to CommercialLines@ConiferInsurance.com
MARKETING
Association Partners
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.
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!