Food processing

Clear has lots of experience in arranging bespoke insurance cover for food producers, large and small, cooking and non-cooking.

We also understand the processes and construction issues particular to the food industry and as a result, specialise in providing a wide range of insurance products that your business may need, from buildings to refrigerated fleet cover. We recognise the unique day-to-day pressures you face working for demanding, price-conscious customers. The guidance we offer allows your business to adapt to rapid challenges in the industry.

A large food importer and distributor had previously purchased their buildings insurance from their landlord. They approached Clear for a competitive quote, following a personal recommendation from one of our existing clients. Our experienced insurance handler advised against separate buildings insurance cover and we commenced a comprehensive review to include cover for material damage for contents, business interruption and liability insurance.

Clear arranged various business interruption extensions, including non-damage denial of access and full failure of supply. These extensions weren’t part of the company’s existing insurances and subsequently, broadened the cover significantly.

Our prospective client was surprised to learn that the whole package we were offering came in at less than the landlord had charged for the buildings insurance alone. We went on to add further value when our client underwent a programme of expansion and purchased a second location where they planned to install large-scale freezers and chillers. Our specialist knowledge of food processing allowed Clear to advise on the materials best used as well as those to be avoided, such as the right and wrong type of composite panel.