Food & Beverage Manufacturing Insurance

At Insurance Broking Services, we understand the unique challenges faced by food and beverage manufacturers across Australia. The sector coordinates approximately 87 food recalls per year — with undeclared allergens, microbial contamination, and foreign matter the leading causes — and a single recall can cost millions in retrieval, disposal, consumer notification, and lost gross profit before a single legal claim is filed. Critically, standard product liability policies are not designed to cover recall costs; a standalone contaminated products or product recall policy is required, and many manufacturers discover this gap only when they need it most. Property and equipment risks are equally significant — EPS-panelled cool rooms are a fire risk that insurers now scrutinise closely, and specialist processing equipment with six to twelve month replacement lead times makes both the correct sum insured and an adequate business interruption indemnity period essential. Emerging risks are adding further complexity: PFAS regulations that took effect on 1 July 2025 now require manufacturers to assess packaging materials and supply chain inputs for contamination, and insurers are applying PFAS-specific underwriting scrutiny, with exclusions appearing in environmental liability, general liability, and products liability policies for businesses without documented controls. We leverage our industry knowledge and insurer connections to build tailored insurance solutions for your situation, ensuring your products, your plant, your supply chain, and your business are properly protected.