Florida Food Manufacturing Insurance (Quotes, Cost & Coverage)

Call to start your quote:
(954) 399-3996

Get A Quote

Frequently Asked Questions About
Commercial General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

Protect your business - Fast & Affordable.

Quick quotes from top rated insurance carriers.

Request a Quote Now

Florida Food Manufacturing Insurance

FL Food Manufacturing Insurance

Florida Food Manufacturing Insurance. As a food manufacturer, there are many risks you'll face in your business. The machinery used in your business presents a high risk of injury to your employees. As a manufacturer, you rely on machinery to run your business. Many things can go wrong such as a machine breaking down or damage to equipment. Machinery breakdown can mean huge financial losses for your business. When production stops, the risk of product spoilage increases. Fortunately, the way to counter is by protecting your business with the right insurance. This is why Florida food manufacturing insurance is so important. Below are some of the different insurance policies you can consider for your business:

Florida food manufacturing insurance protects your plant from lawsuits with rates as low as $77/mo. Get a fast quote and your certificate of insurance now.

Commercial property insurance: this type of coverage protects the places you use for your manufacturing operation. If the contents inside the buildings are destroyed then having this insurance keeps your business covered. This type of insurance also offers business interruption coverage. If significant damage has been done to a building of operation and you have to stop your business, then this insurance will compensate you for the losses.

Commercial general liability insurance: Causing damage to a third person or property can be expensive to your business. If you ever cause injury to an individual or property damage to a third party, then having this insurance helps with any cost as a result.

Here are some other types of Florida food manufacturing insurance you should also consider for your business:

Product liability insurance: helps with losses that occur because of injury to a user of your product or a bystander. Also, this coverage will include standard commercial general liability. To find out if this insurance is right for your business it's best to speak with an experienced insurance agent. Doing this allows you to understand the liability exposure level of your business and what you can do to protect it.

Environmental practices & pollution liability coverage: protects your company from liability claims as a result of damage caused by waste produced by your business. Having this type of insurance keeps your business protected from waste pollution claims.

Commercial auto coverage: is for when you have vehicles you use for the operation of your business. When on the road there's always the possibility of getting in an accident. With this insurance, you have more safety when on the road. If your employees use their vehicles to do transportation for your business, then you may also need to pick up hired or non-owned vehicle insurance to keep them covered.

Employment practices liability: protects your business from lawsuits made by an employee or former employee who claims discriminatory employment practices by your business. Having this kind of insurance in place gives you coverage against violations of any antidiscrimination regulations.

Umbrella coverage: allows you to purchase additional liability Florida food manufacturing insurance coverage for your business. With umbrella insurance, you can get excess liability coverage for the areas your regular insurance may have missed.

Workers' compensation: is probably one of the most important types of insurance coverage you need in your business. Most states require this coverage for any non-owner employees. Often, before being able to operate you must have this insurance in place. If an employee gets injured while on the job and needs medical attention, they are covered with insurance. Workers compensation insurance covers medical costs and other expenses that come as a result of being injured on the job. If the injury results in a fatality then this coverage pays benefits to the surviving family of the victim.

Product recall insurance: One of the biggest risks you face in the manufacturing industry is having your product recalled. There is a greater emphasis being placed on the safety of food. For this reason, you want to make sure you have the proper Florida food manufacturing insurance protection. Having your product recalled can cost lots of money for your business. With product recall insurance you can help to reduce the cost associated with it significantly.

FL Food Manufacturer Insurance

Being sued can cost your company lots of money. The proper protection allows you to avoid having to pay large sums of money if you're sued. To find the right insurance for your business, it's best you speak with an experienced insurance agent.

Florida Economic Data And Commercial Insurance Requirements

If you are thinking about starting up a business in the state of Florida, it's important to understand the economic standing of the state before you set up shop. Furthermore, you should understand the rules and regulations regarding FL commercial insurance.

Made In Florida

With this information, you will be able to determine if Florida is the right place for your business, and if so, what type of insurance you will need to carry to protect yourself, your employees, and the people that you serve.

Economic Trends For Businesses In FL

Florida is known as the sunshine state, and the economic outlook for this state is just as bright as the weather. It is estimated that the economy in Florida will reach $1 trillion by the end of the 2018 calendar year. However, while financially, the economy is expected to boom, it is forecasted that job growth will decline.

The reason for the economic boom? While businesses do certainly contribute to the economy, industry isn't the reason why Florida's economy is expected to soar; the residents that move to the state are largely responsible for its economic growth. Approximately 898 people move to Florida every day, and those new residents bring a tremendous amount of income for the state.

In terms of job growth, the rate of new jobs has been its highest since 2007; however, it is forecasted to slow during 2018. Approximately 180,000 new jobs will be added in 2018, which is slightly less than the new jobs that were added in 2017.

The industries that contribute the most to Florida's economy include:

  • Agriculture
  • Aviation & Aerospace
  • Financial Services
  • Healthcare
  • International Trade
  • Life Sciences
  • Tourism
Commercial Insurance: Regulations & Limits In Florida

The Florida Office of Insurance Regulation regulates insurance in FL. The only type of coverage that business owners must carry is workers' compensation. Organizations in any industry must carry this type of coverage if they employ a staff of hourly or salaried workers. But, organizations that employ three or less people are not legally required to carry this type of coverage.

Business owners are also required to carry commercial auto insurance if they use any vehicles for their operations, such as making deliveries or transporting goods. Commercial liability insurance is another type of coverage that Florida business owners should consider carrying, though they are not legally required to have this type of insurance.

Additional Resources For Manufacturing & Wholesaler Insurance

Read informative articles on small business manufacturing and wholesale insurance. Manufacturing and wholesale companies face many risks due to the nature of their business operations.


Manufacturing And Wholesale Insurance

For manufacturers and wholesalers, having the proper coverage is very important. You will need Products/Completed Operations Liability Coverage to protect you against injuries or property damage cause my the products you make or sell.

What does the insured does that could result in a covered loss? The insuring agreement only requires that the insured be legally obligated to pay damages for injury to others or damage to their property included within the products-completed operations hazard covered by the insurance.

Because of this, every product manufactured and completed operation exposure for each named insured must be determined, described and evaluated to be certain that each represents acceptable exposures, or are acceptable classes of business to the insurance company providing coverage.

Once the extent of all business activities and operations is determined, the process of identifying hazards begins. The first step in the process is completely listing and describing all current products being manufactured and projects being worked on.

The next step is obtaining the same information for discontinued products and completed projects for the past five to 10 years, depending on the products or projects involved. This should include an explanation of why the products were discontinued. If some completed projects were of a different type than those currently being worked on, an explanation is in order, including whether the insured may resume them in the future.


Request a free Florida Food Manufacturing insurance quote in Altamonte Springs, Apopka, Aventura, Boca Raton, Bonita Springs, Boynton Beach, Bradenton, Cape Coral, Casselberry, Clearwater, Clermont, Coconut Creek, Cooper City, Coral Gables, Coral Springs, Crestview, Cutler Bay, Dania Beach, Davie, Daytona Beach, DeLand, Deerfield Beach, Delray Beach, Deltona, Doral, Dunedin, Edgewater, Fort Lauderdale, Fort Myers, Fort Pierce, Gainesville, Greenacres, Haines City, Hallandale Beach, Hialeah Gardens, Hialeah, Hollywood, Homestead, Jacksonville Beach, Jacksonville, Jupiter, Key West, Kissimmee, Lake Worth, Lakeland, Largo, Lauderdale Lakes, Lauderhill, Leesburg, Margate, Melbourne, Miami Beach, Miami Gardens, Miami Lakes, Miami, Miramar, New Smyrna Beach, North Lauderdale, North Miami Beach, North Miami, North Port, Oakland Park, Ocala, Ocoee, Orlando, Ormond Beach, Oviedo, Palm Bay, Palm Beach Gardens, Palm Coast, Palmetto Bay, Panama City, Parkland, Pembroke Pines, Pensacola, Pinellas Park, Plant City, Plantation, Pompano Beach, Port Orange, Port St. Lucie, Riviera Beach, Rockledge, Royal Palm Beach, Sanford, Sarasota, Sebastian, St. Cloud, St. Petersburg, Sunny Isles Beach, Sunrise, Tallahassee, Tamarac, Tampa, Tarpon Springs, Temple Terrace, Titusville, Venice, Wellington, West Palm Beach, Weston, Winter Garden, Winter Haven, Winter Park, Winter Springs and all other cities in FL - The Sunshine State.


Request a Quote Now

Food Manufacturing Insurance
Rated 4.6/5 based on 10 reviews

Quotes from leading small business insurance carriers including: ACE, AmTrust, Chubb, Cincinnati, CNA, Colony, Employers, Evanston, Fireman's, Foremost, Guard, Hanover, Hiscox, Liberty Mutual, Markel, MSA, Nationwide, Penn America, Philadelphia, Prime, Progressive, Scottsdale, The Hartford, Travelers, USLI, Utica First, Western World, Zurich & others.

Top