Food, Drink & Tobacco Industries

Bakeries, Confectionery Manufacturers, Fruiterers – Wholesale, Icecream Manufacturers, Smallgoods Factories, Tobacco Factory, Wine Makers

Risk		Summary Of Cover
Fire & Defined Events	Essential	Covers assets (e.g. building, contents, machinery) against loss or damage caused by fire and defined events (e.g. water damage, storm, malicious damage). Flood cover generally not included
Business Interruption	Essential	Provides cover for loss of income, payroll and an increase in costs following a reduction in turnover or revenue caused by fire damage.
Burglary	Recommended	Cover is provided for loss or damage following forcible entry to premises
Money	Recommended	Cover is for the loss of money or negotiable instruments
Glass	Recommended	Where glass is accidentally broken, cover is provided for the cost of replacing or fixing the glass.
General Property	Optional	Provides cover for the cost of repairing or replacing specified items that are accidentally lost or damaged. e.g. cameras, mobile phones, tools
Electronic Equipment	Optional	Provides cover for electrical, electronic and mechanical items (e.g. computers, faxes, printers, photocopiers) following loss or damage.
Machinery Breakdown	Recommended	Covers loss or damage to machinery as a result of breakdown. Spoilage of food following such a breakdown can also be covered.
Fidelity Guarantee	Optional	Covers losses sustained as a result of an act of fraud or dishonesty by employees.
Public & Products Liability	Essential	Covers legal liability for injury to members of the public and damage to property arising from the business activities. Products liability covers liability for the distribution and/or sale or supply of products and services
Professional Indemnity	Not Required	Covers liability for claims arising from breach of professional duty by reason of any negligent act, error or omission committed on the part of any person employed in the conduct of the business activities.
Personal Accident/Sickness	Optional	Provides cover following the accidental injury or illness of an insured person.
Worker’s Compensation	Compulsary if you employ staff	A compulsory scheme for employers to cover employees injured in the course of their employment