F&B industry represent a wide range of company types from Importers to Restaurants, Bars and Clubs.
Importers are facing same issues than 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 principals covers of those businesses.
Restaurants, Bars and Clubs see their main risks in the facts they are receiving public in their premise and have their staffs 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 their risks.