food & drink

Food Safety has recently received an enormous amount of publicity.  The focus on increased safety in the food industry will undoubtedly continue, and comprehensive insurance coverage is essential to fully protect any business . The team at Creative Risk Solutions have extensive experience in understanding the key areas of insurance cover for this industry.

These include:

• Material Damage - This can be a very wide and complex area of insurance. To ensure comprehensive cover, consultation with an insurance professional is advised as a full understanding of the policy and its limitations is essential. Often cover for the business assets (Buildings, Contents, Stock etc.) should be extended to include perils such as theft, subsidence, and terrorism and ideally policies should be tailored individually to suit all the relevant business requirements.
• Employer's Liability - It is a legal requirement for every employer carrying on a business, trade or profession to take out and maintain insurance against liability for bodily injury or disease sustained by their employees, arising out of, and in the course of their employment.
• Public / Products Liability - The purpose of Public/Products Liability is to indemnify the policyholder under their legal liability, should they or their products cause death, bodily injury and/or loss of or damage to material property to a Third Party or Parties. Cover can be arranged for goods and services sold in the UK and/or on a worldwide basis.
• Business Interruption -Loss of Gross Profit cover can ensure the business remains viable when a disaster impacts on the business.
• Goods in Transit - Transit insurance provides protection for the movement of goods, either the raw material coming into the premises or the finished goods/produce going out. Creative Risk Solutions can provide cover to suit the specific requirements of your organisation including the transportation of goods under CMR or RHA conditions.
• Fleet - Polices are available on single, multi-vehicle or Fleet Basis.

Whatever your involvement in the food processing industry Creative Risk Solutions can provide professional advice and support tailored to suit your individual needs.

For further information please contact us today

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