Food & Beverage Insurance
Your Food & Beverage Business Insurance Solution
Our roots run deep as a leading resource and insurance solution provider for the cannabis industry. With over a decade of underwriting experience, Conifer Insurance Services is trusted by thousands of clients and agency partners to protect cannabis businesses and their assets.
Food & Beverage Insurance Program
PROGRAM HIGHLIGHTS
- Exclusive, A.M. Best A- Rated Program Carrier
LIABILITY
- General Liability
- Liquor Liability
- Cyber Liability
PROPERTY
- Buildings
- Business Income
- Business Personal Property
- Improvements & Betterments
- Equipment Breakdown
- Property Enhancement Endorsements (20+ Additional Coverages)
COMMERCIAL AUTO
- Hired & Non-Owned Auto
LESSORS RISK ONLY
- Available if tenant coverage has or will be placed with Conifer
Ready to have your Food and Beverage business insured?
Target Classes
The rapidly evolving food and beverage industry presents unique opportunities and challenges that require tailored insurance solutions. As consumer preferences shift and regulatory standards continue to change, businesses—from manufacturers and distributors to restaurants and retailers—face complex compliance requirements, liability risks, property exposures, and product safety concerns.
Insuring Your Fine Dining & Family Restaurants
Conifer stands ready to serve the insurance needs of today’s restaurant owners, offering quality coverage unique to the food and beverage industry. Designed for full-service fine dining, family restaurants, fast-casual businesses and more, clients value our ability to understand the nuances of the restaurant industry and provide specialized programs that are tailored to fit their needs.
Tailored Coverage for Fine Dining & Family Restaurants
There are many different types of insurance for Fine Dining & Family, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Bars, Taverns, Pubs, Bistros & Wine Bars
Our products are specifically designed to meet the needs of breweries, distilleries and wineries. Employers in these businesses face unique risks that can endanger the safety of employees, vendors and customers. These hazards can carry ongoing negative consequences that can be difficult to reverse and leave lasting financial impacts on the organization.
Tailored Coverage for Bars, Taverns, Pubs, Bistros & Wine Bars
There are many different types of insurance for Breweries, Wineries & Distilleries, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Breweries, Wineries & Distilleries
Our products are specifically designed to meet the needs of breweries, distilleries and wineries.Employers in these businesses face unique risks that can endanger the safety of employees, vendors and customers. These hazards can carry ongoing negative consequences that can be difficult to reverse and leave lasting financial impacts on the organization.
Tailored Coverage for Breweries, Wineries & Distilleries
There are many different types of insurance for Breweries, Wineries & Distilleries, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Social/Fraternal Clubs
Fraternal organizations and social clubs are complex, unique individual lodges and entities that serve a wide variety of constituents and members. At Conifer, we’re acutely prepared to provide Excess & Surplus lines coverage for these niche businesses centered on on-premise alcohol consumption. Our full range of coverages are grouped into one program and we can design plans that are tailored to needs the unique needs of your business.
Tailored Coverage for Social/Fraternal Clubs
There are many different types of insurance for Social/Fraternal Clubs, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Beer, Wine & Liquor Stores
Merchants that are licensed to sell closed and packaged alcoholic products are faced with a range of liabilities that differ from other industries. From large stocks of breakable products to the risk of intoxicated patrons causing harm to others or damaging the premises, there are plenty of potential hazards that can result in costly problems. Conifer’s insurance helps safeguard against fires, theft, lawsuits, and injuries so business owners can continue to serve customers after unexpected incidents.
Tailored Coverage for Beer, Wine & Liquor Stores
There are many different types of insurance for Beer, Wine & Liquor Stores, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Convenience Stores
Merchants that are licensed to sell closed and packaged alcoholic products are faced with a range of liabilities that differ from other industries. From large stocks of breakable products to the risk of intoxicated patrons causing harm to others or damaging the premises, there are plenty of potential hazards that can result in costly problems. Conifer’s insurance helps safeguard against fires, theft, lawsuits, and injuries so business owners can continue to serve customers after unexpected incidents.
Tailored Coverage for Convenience Stores
There are many different types of insurance for Convenience Stores, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Juice & Smoothie Bars
Those who own and operate juice and smoothie bars know that they have customers coming in-and-out of their business from early morning breakfasts to meals to bring home after work. Such an influx of people leaves open the chance that someone could get injured on your premises, whether they slip on a slick floor from juice that spilled or tripping over a chair that was moved out of order. Legal costs would likely follow, and you’ll need to ensure that you are able to protect yourself ahead of time.
Tailored Coverage for Juice & Smoothie Bars
There are many different types of insurance for Juice & Smoothie Bars, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Coffee, Bagel, Donut Shops, Cafes and Bakeries
Cafe owners have a unique risk in that one of their chief products presents a possible hazards for patrons to handle. If a customer sues an owner for too-hot coffee that burned them, there could be openings for damages, expenses and other liabilities that will be faced with. Conifer’s business insurance programs are designed to protect coffee shop and cafe owners from all types of liabilities and risks.
Tailored Coverage For Coffee, Bagel, Donut Shops, Cafes and Bakeries
There are many different types of insurance for Coffee, Bagel, Donut Shops, Cafes and Bakeries, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Insuring Ice Cream Parlors
Ice cream parlors and confectionaries face a range of liabilities in addition to the common issues that other small business owners can encounter. A customer might attempt to file a lawsuit against you if they’ve been injured in a slip and fall incident due to a wet floor, or being served food that’s been spoiled due to equipment failure. Conifer offers business owners insurance coverage that is tailored to stay one step ahead of the potential risks involved with owners ice cream parlors.
Tailored Coverage for Ice Cream Parlors
There are many different types of insurance for Ice Cream Parlors, but some common ones include:
- General Liability Insurance: This covers basic risks like customer injuries, property damage, and lawsuits.
- Product Liability Insurance: This protects you if someone gets sick or injured from your products.
- Property Insurance: This covers your building, inventory, and equipment in case of fire, theft, or other disasters.
Submissions & Downloads
SUBMISSION REQUIREMENTS
- Food & Beverage Application, Acords or Competitor Applications
- Loss Runs
Completed applications and loss runs can be sent to CommercialLines@ConiferInsurance.com
MARKETING
Association Partners
MIRA is a multi-state trade association representing thousands of retailers operating in Michigan, Ohio and surrounding states. Our members include independent supermarkets, convenience stores, petroleum retailers, service stations, and specialty food markets.
The Michigan Restaurant & Lodging Association (MRLA) drives the hospitality industry through advocacy, education, and innovation. From navigating evolving regulations to providing advanced training, certifications, and business solutions, the MRLA empowers members to succeed as a one-stop resource for the hospitality community.
Frequently Asked Questions for Food & Beverage Insurance
Implement thorough staff training on alcohol service and food safety, maintain a safe environment, inspect equipment regularly, and enforce responsible alcohol service policies such as ID checks and monitoring patron intoxication levels.
Yes, liquor liability insurance is crucial. It covers legal fees, settlements, and medical expenses if a patron causes harm due to alcohol consumption, like accidents or injuries. It also protects against claims of serving alcohol to minors or visibly intoxicated individuals.
In addition to general liability, consider property insurance, liquor liability insurance, workers’ compensation, business interruption insurance, and possibly cyber liability insurance to cover various risks specific to your establishment.
Work closely with an experienced insurance agent or broker who understands the food and beverage industry. Discuss your specific operations, location, and potential risks to tailor a policy that provides comprehensive coverage for your business’s unique needs. If you need help finding an experienced insurance agent or broker, please contact us!
Ready to Help
Conifer Insurance partners with independent agents to provide specialized coverage for niche markets, offering personalized support and underwriting expertise. If you’re interested in becoming an agent or need a customized insurance quote, Conifer makes the process simple and efficient—delivering tailored solutions to fit your unique needs.