The Hartford doesn’t offer food manufacturing insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Food Manufacturing Insurance?
Food manufacturing insurance is a package made up of different types of business insurance coverage options designed to help protect you from the risks you might face as you run your production line. Whether it’s an unexpected injury on the floor, a damaged piece of equipment or a client claim over a spoiled shipment, this kind of insurance can help you manage specific manufacturing challenges.
Although The Hartford doesn’t offer insurance for food manufacturers, we help connect you with Tivly, so you can get the coverage you need to keep your business running smoothly.
Why Might You Need Food Manufacturing Insurance?
Food manufacturing insurance is a collection of coverages that can help protect your business when things don’t go as planned. Think of delays from equipment breakdowns, sudden spoilage issues, product recalls or even a lawsuit over improper labeling. These are the kinds of expensive risks that could quickly derail your operations. You’ve worked too hard to build your brand. Insurance can help ensure you don’t lose it all because of one bad day.
Food manufacturer insurance can help protect your business from many potential risks, like:
- Employee injury: A worker gets a cut while operating the production line.
- Fire damage: An electrical fire damages your warehouse.
- Car accidents: One of your delivery drivers gets into an accident on the way to a retailer.
Who May Need Food Manufacturing Insurance?
Whether you’re creating goods or processing ingredients, food manufacturing insurance coverage can help you run a smooth operation. Insurance can help protect:
- Commercial manufacturers
- Processors
- Distributors
- Beverage producers
What Food Manufacturing Insurance Coverage Options Might I Need?
When it comes to protecting your food manufacturing business, you’ll need coverage that matches your potential risks. Many food manufacturers have a Business Owner’s Policy (BOP) because of the peace of mind it can provide. It combines three types of insurance to help protect you from everyday risks:
General liability insurance helps protect your food manufacturing business from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building where you operate your manufacturing facility, as well as the tools, equipment and inventory you rely on. These can include:
- Prep equipment
- Mixers and blenders
- Processing machinery
- Ovens
- Fryers
- Refrigerators
- Freezers
- Labeling machines
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by fire, wind or theft.
It’s important to remember that a BOP won’t cover every kind of claim your facility might face. You’ll need to get other types of coverage to create comprehensive protection, such as:
Workers’ compensation insurance to help support your employees as they recover from a work-related injury or illness. This insurance gives them benefits to help pay medical bills or replace lost wages if they can’t work.
Commercial auto insurance to help cover claims from an auto accident that your business causes when you or an employee uses a company-owned vehicle for work.
How Much Does Food Manufacturing Insurance Cost?
Although The Hartford doesn’t offer coverage for food manufacturing facilities, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your coverage costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of food production insurance varies because every business faces unique risks. Insurance companies may consider several factors when determining your coverage cost, such as:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific food manufacturing business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A vendor slipped on a wet floor near one of our production lines and had to go to the hospital.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Product Liability Insurance
“We changed one of our suppliers, and we didn’t realize they weren’t a gluten-free facility. We had to issue a recall once we found this out.”
Product liability insurance helps protect your business from claims that a product you made or sold caused bodily injury or property damage to someone else’s belongings.
Workers’ Compensation Insurance
“My quality manager got their hand stuck in a conveyor belt. He went to the hospital and had to take a few weeks off from work to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“One of my drivers was making a delivery when she accidentally backed the truck into a parked car.”
Commercial auto insurance helps protect your employees on the road when using company-owned vehicles for work. It can help cover claims of bodily injury or property damage from an accident your business causes.
Commercial Property Insurance
“A fire broke out in our processing facility, causing equipment damage that cost thousands of dollars to repair.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Equipment Breakdown Insurance
“Our mixer’s control panel shorted out overnight and we couldn’t make anything until it was fixed.”
Equipment breakdown insurance is designed to help cover damaged or missing equipment. It can help pay for repairs after an accident, helps cover losses due to theft and may help pay to expedite a shipment that is off schedule because of a covered loss.
Keep Production Going With Food Manufacturing Insurance
Help protect your production line, your people and your peace of mind. Get an insurance quote from Tivly today.
Last Updated: March 4, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 U.S. Food and Drug Administration, “Recalls,” viewed February 2026.
3 U.S. Equal Employment Opportunity Commission, “2023 Annual Performance Report,” viewed June 2025.
4 National Fire Protection Association, “Fire Loss in the United States,” viewed February 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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