The F&B industry represents a wide range of company types, from Importers to Restaurants, Bars and Clubs.
Importers are facing the same issues as trading companies concerning their liabilities on their products and are more inclined to face recall on a full range of products.
Product Liability (or Commercial General Liability (CGL) Insurance) and Product Recall are the principal covers of those businesses.
A food and beverage company like Restaurants, Bars and Clubs see their main risks in the fact they are welcoming the public to their premises and have their staff more exposed.
They should focus on their Public Liability and Employer’s Liability.
Besides this, here are a set of cover that shall study any F&B Business to limit its risks.