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Businesses that operate within the food industry on an ongoing basis, such as restaurants, concessions, caterers, food trucks, groceries, and schools, are well aware of the need for additional coverage for food spoilage or food contamination. However, businesses with only an incidental exposure to food risk may not be fully aware that the standard property policy may not provide coverage for this exposure. For example, a small antique shop that has a coffee bar and sells homemade pastries; or an insured who takes in local farmers’ tomatoes for packaging before being distributed to grocers. Those insureds who deal with food manufacturing, processing, preparation, packaging, delivery, distribution, storage, or sale have exposure to food contamination. Food contamination incidents are common, as food may be contaminated with bugs, parasites, chemicals, bacteria or virus, any of which can cause illness, and food products can become contaminated at any stage, even when they are simply being stored or during delivery.

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