What does food liability insurance cover?

We’ll start with food liability insurance, including public and product liability, covering you against accidents caused by your business or claims against your products – for example, if someone suffers an allergic reaction to an ingredient you’ve used. You can also include insurance for employees, stock, and contents, plus personal accident cover for you or anyone else you’ve covered.

 

Public and product liability insurance for food business

In case your business and products cause an injury or property damage.

What’s typically covered by food product liability insurance?

Claims against your business for:

• damage to someone’s property, because of your food/drinks business
• an injury or illness caused by your business activities or products
• accidental damage or injuries caused by your employees

For example:

• a customer sues you for serving spoiled food, causing severe food poisoning
• you accidentally spill a scalding hot drink on a customer’s hand
• a pedestrian trips over a box of goods you’ve left on the ground next to your delivery van, breaking their wrist

What you’ll need additional cover for

• road accidents, and claims related to a delivery van or vehicle – these are usually handled as part of your motor insurance policy
• if you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

 

Employers’ liability insurance

In case anyone gets ill or injured because of working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury or illness that happens as a result of working for you (including temps and casual workers)

For example:

• your employee trips over some steps while loading the company van, breaking their elbow
• your Christmas temp cuts their hand on a damaged countertop and sues you for operating an unsafe workspace

 

All risk insurance

In case something happens to your operational equipment.

What’s typically covered by business and office equipment insurance?

• accidental damage to the equipment you use to run your food and drinks business
• theft, flood, and fire damage 

For example:

• a customer stumbles into your food display, smashing the glass
• your new employee breaks the juicer you’ve had just installed – it needs to be completely replaced

 

Stock insurance

In case something happens to the items you keep in stock.

What’s typically covered by stock insurance?

• loss, damage, or theft of things like prepared food items, sellable products, ingredients, and other materials you use to stock your food and drinks business

For example:

• your fresh meat and vegetables go off due to a fault with your fridge, and need to be replaced
• a burst pipe in your kitchen destroys ingredients kept in the storage room
• a large food order gets damaged while in transit to your client’s wedding venue

 

Legal expenses insurance

In case you’re hit with legal expenses connected to your food business.

What’s typically covered by legal expenses insurance?

• legal costs attributed to your food and drinks business
• property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts

For example:

• HASIL selects your business for a randomized tax investigation

  (We know this always happen), and you incur costs in the process which need to be recovered

• a client disputes their contract with you after you provide catering for their wedding, stating you haven’t fulfilled your obligations – you need to pay for legal representation

 

 

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

• accidental injury or death at work or elsewhere, for anyone covered on the policy
• lost income, medical costs, and hospitalisation benefit

For example:

• you burn your hand on hot oil from the deep fat fryer, and can’t work for at least two weeks
• your employee, who you’ve covered on the personal accident policy, breaks their leg while playing football, and can’t carry out manual tasks for a few months

 

Building insurance

In case something happens to your business premises.

What’s typically covered by building insurance?

• the cost of repairing damage to the structure of your building (or rebuilding it from scratch)
• damage to fixtures and fittings
• damage to underground pipes and cables you’re responsible for

For example:

• your building needs to be completely rebuilt, following a fire caused by a deep fat fryer
• a flood on your ground floor and basement destroys your floorboards and internal doors

What you’ll need additional cover for

• tenants’ improvements – changes to the property’s structure which you’ve organised and paid for yourself, like partition walls or wooden flooring

 

Please contact us to get an immediate quote:+6016-2194889  (Malaysia)