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Public & Products Liability

Every food and beverage business carries third-party risk — injury to a customer or visitor, or a claim that a product you made, served, or supplied caused illness, injury, or property damage. Public and products liability insurance responds to claims arising from your premises and from the food or drink itself, whenever stage of the supply chain you sit at.

Public & Products Liability

Every food and beverage business carries third-party risk — injury to a customer or visitor, or a claim that a product you made, served, or supplied caused illness, injury, or property damage. Public and products liability insurance responds to claims arising from your premises and from the food or drink itself, whenever stage of the supply chain you sit at.

Product Recall

If a product you manufacture, process, or distribute turns out to be contaminated or defective, the cost of recalling it from the market — logistics, notification, disposal — can be significant. Product recall insurance responds to those costs.

Product Recall

If a product you manufacture, process, or distribute turns out to be contaminated or defective, the cost of recalling it from the market — logistics, notification, disposal — can be significant. Product recall insurance responds to those costs.

Commercial Property

Processing facilities, commercial kitchens, cafés, and restaurant sites all need insurance for the building, fit-out, contents, and loss of rent if a property event takes the premises out of action.

Commercial Property

Processing facilities, commercial kitchens, cafés, and restaurant sites all need insurance for the building, fit-out, contents, and loss of rent if a property event takes the premises out of action.

Stock & Spoilage

Perishable stock can be lost to spoilage or deterioration following equipment breakdown, a power outage, or a temperature failure — a real and recurring risk anywhere refrigerated or frozen food and beverage stock is held, from a single café fridge to a cold chain warehouse. Stock and spoilage insurance responds to that loss, separate from the insurance protecting the equipment itself.

Stock & Spoilage

Perishable stock can be lost to spoilage or deterioration following equipment breakdown, a power outage, or a temperature failure — a real and recurring risk anywhere refrigerated or frozen food and beverage stock is held, from a single café fridge to a cold chain warehouse. Stock and spoilage insurance responds to that loss, separate from the insurance protecting the equipment itself.

Plant, Equipment & Machinery

Kitchen, processing, and production equipment represents serious capital tied up in machinery that has to keep running. This insurance responds to the cost of repair or replacement following mechanical or electrical breakdown.

Plant, Equipment & Machinery

Kitchen, processing, and production equipment represents serious capital tied up in machinery that has to keep running. This insurance responds to the cost of repair or replacement following mechanical or electrical breakdown.

Marine & Cargo

Food and beverage stock carries its own transit exposure as it moves between suppliers, your facility, and your customers, including import and export cargo. Marine and cargo insurance responds to loss or damage to goods in transit.

Marine & Cargo

Food and beverage stock carries its own transit exposure as it moves between suppliers, your facility, and your customers, including import and export cargo. Marine and cargo insurance responds to loss or damage to goods in transit.

Management Liability

Running a food and beverage business with staff, contracts, and incorporated structures carries director, employment practices, statutory liability, and crime exposures that a management liability policy bundles into one place — relevant as your business and headcount grow.

Management Liability

Running a food and beverage business with staff, contracts, and incorporated structures carries director, employment practices, statutory liability, and crime exposures that a management liability policy bundles into one place — relevant as your business and headcount grow.

Cyber Insurance

Food and beverage businesses are increasingly exposed as online ordering and customer payment data become part of day-to-day operations. Cyber insurance responds to data breach costs, ransomware, and the business interruption that follows an incident.

Cyber Insurance

Food and beverage businesses are increasingly exposed as online ordering and customer payment data become part of day-to-day operations. Cyber insurance responds to data breach costs, ransomware, and the business interruption that follows an incident.

Workers Compensation

Workers compensation insurance is statutory requirement in every state for anyone you employ, from kitchen and front-of-house staff to processing and warehouse teams. Requirements and premiums vary by jurisdiction — we help you navigate the right settings for your workforce.

Workers Compensation

Workers compensation insurance is statutory requirement in every state for anyone you employ, from kitchen and front-of-house staff to processing and warehouse teams. Requirements and premiums vary by jurisdiction — we help you navigate the right settings for your workforce.

Commercial Motor Fleet

Vehicles move your stock and people between facility, premises, and customer every day. We arrange fleet insurance scaled to how many vehicles you run, from a single delivery van to a full distribution fleet.

Commercial Motor Fleet

Vehicles move your stock and people between facility, premises, and customer every day. We arrange fleet insurance scaled to how many vehicles you run, from a single delivery van to a full distribution fleet.

Business Interruption

A fire, equipment failure, or other insured property event doesn’t just damage the asset — it stops you trading while you recover. Business interruption insurance responds to loss of income and ongoing fixed costs while you’re back on your feet, relevant to any food and beverage business with a fixed premises or production line.

Business Interruption

A fire, equipment failure, or other insured property event doesn’t just damage the asset — it stops you trading while you recover. Business interruption insurance responds to loss of income and ongoing fixed costs while you’re back on your feet, relevant to any food and beverage business with a fixed premises or production line.

Commercial Drone Insurance

Drones are increasingly used across larger food and beverage production sites and warehouses for stocktake, inspection, and site monitoring. Commercial drone insurance covers the hull, liability, and operator exposure that comes with running drones as part of your operation.

Commercial Drone Insurance

Drones are increasingly used across larger food and beverage production sites and warehouses for stocktake, inspection, and site monitoring. Commercial drone insurance covers the hull, liability, and operator exposure that comes with running drones as part of your operation.

Food & Beverage Insurance

Food & Beverage Insurance

Tailored Insurance Solutions for Food & Beverage Businesses

Public & Products Liability

Public & Products Liability

Product Recall

Product Recall

Commercial Property

Commercial Property

Stock & Spoilage

Stock & Spoilage

Plant, Equipment & Machinery

Plant, Equipment & Machinery

Marine & Cargo

Marine & Cargo

Management Liability

Management Liability

Cyber Insurance

Cyber Insurance

Workers Compensation

Workers Compensation

Commercial Motor Fleet

Commercial Motor Fleet

Business Interruption

Business Interruption

Commercial Drone Insurance

Commercial Drone Insurance

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Why Food & Beverage Businesses Choose Polaris

We don’t sell insurance. We solve problems.

Access to Multiple Insurers

Market Conditions, Tracked for You

Sector Specialists

Full Claims Support

Top common questions asked about manufacturing insurance

Top common questions asked about manufacturing insurance

What insurance does a food and beverage business need?

Do cafés and restaurants need product liability insurance, or just public liability?

What happens if my fridge or freezer breaks down and I lose stock?

How much does food and beverage insurance cost in Australia?

What’s different about working with a broker instead of going direct to an insurer?

Request a Review

Request a Review

Get a Quote

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