Food and Drink

Kingsbridge are focused on industry groups where the key executives have many years first hand knowledge and experience, in particular in the Food and Drink Sector.

Kingsbridge have developed a complete Risk Management approach to meet the specific requirements of this largest UK manufacturing sector. It is a growing and diversifying sector with changing insurance needs.

Our risk management approach allows you to make informed decisions regarding insurable risk or self insurance. Our risk profiling services include :

• Property Risks (physical damage and business interruption exposures)
• Safety Management (Health & Safety policy and procedure reviews)
• Quality Management (control of contamination exposures)
• Motor Fleet (review of procedures and accident frequencies).

Our key area of expertise are wide ranging including :

• Poultry Processors
• Dairies and Milk Processors
• Frozen Foods
• Food Importers
• Baking
• Bottled Drinks

Specific insurance expertise providing comprehensive asset and balance sheet protection embracing the risks of :

• Property Insurance, inc Terrorism
• Business Interruption, inc Terrorism
• Machinery Breakdown
• Product Contamination
• Deterioration of Stock
• Employers and Public & Products Liability
• Motor Fleet
• Marine Cargo/Goods in Transit
• Directors & Officers Liability
• Commercial Legal Expenses & Employment Practices Liability

Business in this area faces increasing challenges from Food Standards Agency and E.U. legislation to improve on product safety. These additional responsibilities increase the risk of mounting product recalls. Product recall insurance can also include business interruption, rehabilitation costs, extortion costs and consultancy fees.

This legislation also places increased responsibility on the Directors of companies, who can be personally liable for such breaches.