Food Processors Insurance

Few issues are more critical to food processors than maintaining an uninterrupted flow of product to the retail market. A major interruption can be catastrophic. Most insurers do not offer coverage designed specifically for food processors. Policies are often loosely adapted to fit, and that can lead to coverage problems in the event of a loss.

Our experience with food processors gives us exceptional insight and allows us to customize an effective program to meet specific needs at a competitive price. In addition to the standard coverages, we can recommend some special features in food processors insurance policies that are often overlooked. For example, should there be an interruption in production resulting from a fire at a plant, coverage can be provided for the loss of shelf space for a specified time period.

Understanding insurance for complex food processing operations can be particularly challenging. Our goal is to simplify insurance while broadening coverage to reduce the potential for uncovered losses.
We assist in the review of operational and maintenance procedures to help reduce potential costly property and liability claims. When new construction or renovations are needed, our staff can assist in lowering future insurance costs through proper planning.

We are aware of policy language that can often cause a client harm at the time of a loss. We work to educate our clients on the proper the valuation of property to cover real potential for loss, whether it is Replacement Cost, Stated Value or other appropriate valuation methods.

What is more, our expertise in the area of Employee Benefits and Workers' Compensation can lead to meaningful cost reduction for retail and wholesale clients.

SKCG monitors insurance company claim reserving practices. Overstated claim reserves are often overlooked and can result in substantial premium increases. We assist our clients and their attorneys in conducting reviews of leases, contracts and financing documents. Our suggestions often help reduce exposures to loss and shift the responsibility for potential losses to other parties.

Insurance at competitive prices plus an ethical and professional way of doing business equals added value to our clients.