Essential coverages

• Food Products Recall, including the cost to replace the product, customer   consequential loss of profit, and good faith advertising
• Accidental Contamination
• Malicious Product Tampering
• Product Extortion
• Manufacturer’s Errors and Omissions
• Facility Contamination/Spoilage coverage for personal property
• Cyber Liability
• Business Income & Extra Expense coverage for multiple years
• Manufacturer’s selling price endorsement
• Utility direct damage and Business Interruption including overhead lines
• Employment Practices Liability
• Earthquake & Flood
• Reefer Breakdown in Transit
• Employee Dishonesty
• Directors & Officers liability

Critical issues

• Compliance with FDA and maintaining Food safety certification
• Maintaining proper temperatures in refrigeration and freezer units
• Documenting various environmental conditions during product manufacturing process
• Maintaining an absolutely clean environment
• Preventing loss or customers will go to other suppliers and will not return if the product is unavailable for an extended period
• Maintaining equipment
• Employees working in cold environments

Critical questions insurance agents often fail to ask

• What are your critical utilities needs in the production process (water, electric, heating and air conditioning, refrigeration, etc.)?
• What are your contingency plans if your utilities are interrupted?
• Do you have a service contract with your contractors and are they able to guarantee performance?
• When was the last time you had a Workers’ Compensation loss prevention assessment?

Rueter Insurance assurance

Our approach is based on avoiding unintended consequences by recommending the correct coverages at a competitive cost. We accomplish this objective through attention to detail, asking the right questions, and marketing your account to insurance companies that respect quality work.