Food & Beverage

Food & beverage manufacture and supply is ever changing. New product, processes, supply chains and ever evolving customer demands force constant change to maintain market share and sales.

This creates risk. Some risks include:

• EPS used for cool areas can cause an incredible amount damage when it burns.
  
  
• Product can be contaminated - either during the process, from an accident, or deliberately by third parties
  
  
• In a competitive market place, loss of market share due to supply reduction after damage
  
  
• Workplace injuries - both to employees, and alternative labour force personnel such as contractors and labour hire
  

A unique approach.

We offer food & beverage manufacturers and suppliers a unique approach to insurance broking and risk management.

Working with our legal services company, indemnitylegal, we can deliver bundled insurance broking, workers compensation and legal risk management services. Not only do we ensure your insurable risks are identified and cost effectively insured, but indemnitylegal can also work with you, managing your contractual risk, and providing claims management.

Claims Management

The reality of food & beverage manufacturing in today's environment, means the use of alternative labour structures such as contractors and labour hire personnel. This brings with it some up front benefits.

These benefits can be eroded by indirect costs associated with workers compensation recovery actions by Workcover authorities, contractor/labour hire personnel civil liability actions, and the affect upon your Public Liability insurance costs.

Insurers may require high levels of excess or self insured retention. However, this does raise the issue of how claims that fall below the excess/ or fall within the self insured retention are managed.

Poor management can lead to the claim becoming litigated and increasing the size of the claim. And some insurers require the use of high end service providers with cost structures that quickly erode the excess level.

indemnitylegal provide accessible claims management services for public liability claims.

Food & Beverage Products & Services

• Industrial Special Risks
• Business Interruption
• Public & Products Liability
• Marine Transit
• Machinery Breakdown
• Workers Compensation
• Product Recall - including Contamination, Tampering, Loss of Profits, and Third Party Costs/Loss of Profits
• Environmental Impairment
• Directors & Officers Liability - including Public Companies
• Employment Practices Liability
• Statutory Liability
• Contractual risk
• OHS Management