Food and Beverage Insurance
The food and beverage sector includes a wide range of businesses, from caterers to food producers and processors. Whether you have a small restaurant or are a large food producer or distributor, you are likely to face many risks, some of which may be specific to your type of business.
Our policies provide protection for buildings; contents; legal liabilities; business interruption; product recall; legal protection.
Refrigeration: many businesses in the food industry use a refrigerated store. In the event of the store breaking down, damage to the contents can be covered by an engineering policy. Most policies will provide cover on an all-risks basis but this will not cover deterioration of food-stuffs unless this has been specifically arranged.
As a Kent-based business, Pharos has many years’ experience of dealing with the various food producers based locally and in the ‘garden of England’. Some of the largest food distribution businesses in this region have been clients of ours for many years and we continue to develop insurance programmes to cater for the changing needs of this specialized market.
Wines, beers, fruits, vegetables, prepared meals, and confectionary are all trades which require comprehensive insurance arrangements. At Pharos we have more than 50 years’ experience to call on, and can provide you with a cost-effective solution for your business.