Insurance for Food & Seafood Distributors
Where a generic policy gets your operation wrong
Standard markets rate a food distributor off square footage and payroll and stop there. The exposures that drive your losses sit somewhere else.
Hands in ice water, forty-pound cases, the same cut and lift several hundred times a shift. Carpal tunnel and shoulder claims out of a processing line develop slowly, get reported late, and then sit open on your loss runs for years.
A wholesaler who added a processing line, or a distributor who took cold storage in-house, is often still rated on the code they opened with. It inflates premium quietly, and nobody catches it until somebody asks.
Product spoils in a third party’s trailer or a leased freezer. Your spoilage coverage may be sublimited, tied to an equipment breakdown form you never bought, or silent on refrigeration failure inside someone else’s box.
Headcount doubles over two seasons and the comp program written for the smaller shop starts getting re-marketed every renewal. Pricing stops being predictable right when payroll is at its highest.
We’ll read your current comp policy and loss runs and tell you what’s priced wrong, what’s missing, and whether it’s worth moving. No cost, no obligation.
Our Program is Designed For:
Coverages We Place for Food & Seafood Distribution
The core of this program. Class code review, experience modification analysis, and underwriting that expects cold-environment and manual handling claims instead of being surprised by them.
Ergonomics and material handling review on the line, plus return-to-work support. The point is fewer claims opening, not better paperwork after one does.
Buildings, processing equipment, and refrigeration systems, written to reflect what a shutdown on the cold side actually costs you.
Product loss from refrigeration failure, power interruption, or contamination, including product sitting in third-party cold storage.
Refrigerated fleets running multi-state, with cargo limits set against load value rather than the truck.
Foodborne illness and recall exposure follows your product past the dock. Vendor additional insured wording gets reviewed against what your grocery and foodservice accounts are demanding.
About Liberty
Liberty has consistently been recognized as one of the most dynamic, fastest growing companies as well as one of the best places to work in the insurance industry, including being recognized as the #1 Fastest Growing Privately Held Insurance Broker in the U.S. over the past four years by the Hales Report.
Liberty is not your typical insurance broker: We are a culture-first organization, and believe “If you put people first, good business will follow.” Our goal is to clear the path of political and administrative distractions so our valued team of creators can focus on their Highest And Best Use (HABU), which is what they love to do, what they do best, and therefore, is best for all of us.
