Coverage Options for Food & Beverage Distributor
Food distributors require products liability and spoilage coverage. Refrigerated transport fleets are a key auto underwriting factor.
General Liability
Protects against third-party claims of bodily injury or property damage — for example, a patient or visitor hurt in your office or waiting room.
Commercial Property
Covers your office, equipment, and business personal property against fire, theft, water damage, and other covered perils.
Commercial Auto
Covers vehicles used for business purposes, including mobile or home-visit care, with liability and physical damage protection.
Inland Marine
Available as part of your quote — ask your Casurance advisor for details specific to this coverage.
Workers Compensation
Covers medical costs and lost wages for employees injured on the job, and is required in California for nearly every business with employees.
Business Income
Replaces lost revenue and covers continuing expenses if a covered property loss forces you to temporarily close.
What Underwriters Ask About Food & Beverage Distributor
- Product categories distributed
- Fleet size and refrigerated vehicles
- Annual revenue
- Cold-chain storage facilities
- Prior food safety incidents
Frequently Asked Questions
Related Wholesale & Distribution Classes
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Coverage described on this page may help address certain risks common to this class, subject to policy terms, exclusions, and underwriting approval. Availability and pricing are not guaranteed and are determined by Travelers underwriting. This page is for informational purposes and is not an offer of coverage or medical/legal advice.
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