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Food & Beverage businesses

Insurance for food and beverage operations.

Virtus helps breweries, distilleries, food manufacturers, restaurants, and beverage distributors evaluate product liability, property, equipment, and delivery exposures.

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Food & Beverage

Coverage for production, service, and delivery.

  • Product liability, contamination, and recall

    We review your products, production processes, and sourcing arrangements to evaluate product liability, contamination, and recall exposures. These can involve different costs and coverage terms, so we help distinguish the risks and assess the relevant protection for your operation.

  • Restaurant, taproom, and tasting-room operations

    Serving customers introduces a different set of exposures from producing or distributing goods. We review customer-facing operations, including on-site service, events, and liquor liability where applicable, in the context of the business you run.

  • Property, equipment, and business interruption

    We evaluate production assets, equipment, inventory, and the potential impact of an interruption. That includes considering spoilage, temperature-sensitive stock, and equipment breakdown, with attention to the terms and limits that may apply.

  • Distribution, delivery, and contractual responsibilities

    We review how products move, the vehicles and delivery arrangements involved, and the responsibilities in supplier and distribution agreements. We compare relevant insurance requirements with your program and identify differences that need attention.

A restaurant dining room set for service, with warm wood tables and sage seating
From production to service.

Coverage shaped by how your business operates.

  • How do new products, ingredients, or suppliers change your exposures?
  • What needs to be reviewed when you add production capacity or equipment?
  • How do restaurants, taprooms, tasting rooms, or events affect the program?
  • What would a refrigeration failure or interruption mean for your inventory and operations?
  • Who is responsible for products in storage, transit, or third-party delivery?

Related capabilities

Coverage and services for food & beverage

Adding a product or expanding production?

Talk with our Food & Beverage team about changes to your products, equipment, locations, or distribution arrangements.

Talk with our Food & Beverage team →