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Is Your CPG Business Prepared for Product Recalls and Liability Risks?

Protect your bottom line with customized insurance solutions designed specifically for Consumer-Packaged Goods (CPG) businesses.

Start a QuoteDownload Free Product Recall Guide

Exclusive Food & Beverage Manufacturing Programs

Tailored insurance programs designed specifically to protect food, beverage, and consumer goods manufacturers from product recalls, liability, and other industry risks.

Industry Specific Expertise

Work with experienced insurance specialists who understand the unique risks faced by CPG manufacturers, from liability claims to supply chain disruptions.

Customized Plans

Get a tailored insurance plan that addresses your business's specific needs, whether it’s protecting against product recalls, equipment failures, or liability claims.

Tackle the Unique Risks of the CPG Industry with Confidence

At BDI Insurance, we specialize in addressing the complex challenges that Consumer Packaged Goods (CPG) businesses face. Our tailored insurance programs provide robust protection against the high costs of product recalls, liability claims, and business interruptions—helping your company stay resilient and focused on success.

We’ve Helped Thousands of Businesses Navigate Risk and Protect Their Future.

From product recalls to legal liabilities, our tailored policies safeguard your operations, ensuring you stay focused on growth, not disruptions. Thousands of companies trust us to protect their future—schedule a consultation today to see how we can help you minimize risk and maximize protection.

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How to Protect Your CPG Business

Step 1.

Request a Quote

Tell us about your food and beverage manufacturing operations and the specific risks you encounter.

Step 2.

Get A Customized Plan

Our specialists will design a tailored insurance plan that addresses your specific needs, from product recalls to supply chain disruptions.

Step 3.

Secure your CPG Business

With a tailored insurance plan in place, your business will be fully protected from unexpected risks. You’ll have the peace of mind to focus on product innovation and driving business growth—confident that your future is secure.

ABOUT BARNARD DONEGAN INSURANCE

It's not just a policy.
It's a partnership.

With BDI Insurance, you’ll have peace of mind knowing your business is protected from the biggest risks. You’ll be able to
focus on growth and product innovation without worrying about unexpected costs, knowing you’re covered against:

  • Product recalls that could impact your revenue and reputation
  • Liability claims resulting from product defects or injuries
  • Supply chain disruptions that can halt operations
  • Property damage or equipment breakdowns
  • Business interruptions that can affect profitability
  • Regulatory compliance issues specific to the food and beverage industry

Since 1911, BDI has been a trusted name in insurance, providing expert solutions for over a century. Our specialized insurance programs are designed to protect your CPG business from the unexpected, offering peace of mind and long-term financial security.

Meet Our CPG Insurance Expert

Julie Davis

Commercial Lines Advisor – CPG Specialist

With over 25 years of experience in the insurance industry, Julie Davis is dedicated to providing tailored insurance solutions for Consumer Packaged Goods (CPG) businesses. Her in-depth knowledge of the unique risks and challenges in the CPG sector allows her to help clients safeguard their products and operations. Julie’s personalized approach ensures that every client receives the protection they need to keep their business thriving.

Essential Tips and Resources for Your CPG Business

Frequently Asked Questions

What types of insurance does my CPG business need?

CPG companies typically need coverage for product liability, product recall, business interruption, property damage, general liability, worker’s compensation, commercial automobile and umbrella. The specific policies depend on your operations, risk profile and contractual obligations.

Does my CPG company need Product Recall Insurance?

Yes, especially if you distribute to large retailers. Many grocery stores and major retailers require Product Recall Insurance. This coverage protects your business from the financial impact of recalls and ensures compliance with retailer requirements.

What factors influence the cost of CPG insurance?

The cost depends on the size of your business, the types of products you manufacture, your risk exposure, and loss history. Location, regulatory environment, and asset value also play key roles.

Are discounts available for CPG insurance?

Yes, insurers may offer discounts if you implement strong risk management practices, maintain a clean safety record, or bundle policies like product liability and recall insurance.

What does Product Liability Insurance cover for my CPG business?

Product Liability Insurance protects against claims related to product defects, injuries, and legal actions from issues with your products. This is crucial for safeguarding your business against lawsuits.

How much Product Recall coverage does my CPG business need?

The amount depends on the size of your operations and product risk. High-risk products, such as food and beverages, usually require higher coverage limits to handle the costs of large-scale recalls.

What happens if my CPG company faces a lawsuit over a defective product?

Product Liability Insurance covers the legal defense, settlements, and damages. Without it, the financial burden of a lawsuit could significantly harm your business and reputation.

What is the difference between Product Liability and Product Recall Insurance?

Product Liability Insurance covers claims for injuries or damages caused by your products, while Product Recall Insurance covers the costs associated with recalling defective or contaminated products from the market.

Do I need Business Interruption Insurance for my CPG business?

Yes, Business Interruption Insurance protects your company if operations are halted due to unforeseen events like natural disasters or supply chain disruptions. This coverage helps you recover lost income and additional expenses during downtime.

How can my CPG company reduce insurance costs?

You can lower costs by implementing strong risk management protocols, such as rigorous quality control and safety practices. Bundling multiple insurance policies with one provider can also reduce premiums.

Is cyber insurance necessary for CPG companies?

Yes, with the increasing reliance on technology in supply chain management and customer data handling, cyber insurance protects your business from data breaches, ransomware, and other cyber threats.

Can my insurance coverage be tailored specifically for my CPG business?

Yes, insurance policies can be customized based on your specific risks, operations, and business needs, ensuring you have the right protection without paying for unnecessary coverage.

Still Have Questions? Contact Us for Personalized Support

Contact UsContact Us

We Were Featured in IA Magazine!

We’re excited to share that BDI Insurance was mentioned in an article by Independent Agent Magazine titled “Farm to Fork: Finding Your Specialty in the U.S. Food Supply Chain.

Here’s an excerpt from the article:

“The insurance needs of food-related businesses are complex, ranging from liability to property coverage… BDI Insurance has found its niche by offering tailored solutions to food manufacturers and distributors, ensuring comprehensive protection across the supply chain.”

To Read the Full Article, visit IA Magazine.

Read Full Article

What Our Customers Say

"We've worked with BDI Insurance for several years, and their team truly understands the unique challenges we face in the CPG industry. They helped us develop a tailored insurance plan that not only protects us from product recalls but also gives us peace of mind knowing we have coverage for liability and supply chain disruptions. Their expertise and customer service have been invaluable to our business."

J Adams
Fresh Harvest Foods

"BDI Insurance has been an exceptional partner for our company. Their team took the time to understand our specific needs and risks. When we experienced a product recall, they handled everything quickly and efficiently, saving us from a huge financial setback. I can’t recommend them enough for their professionalism and industry knowledge."

L. Sarahs
Green Valley Beverages

Download our FREE guide

Product Recall Guide: Creating and Implementing a Plan

What You'll Get Inside:

  • Step-by-step guidance on creating a comprehensive product recall plan
  • Key strategies for assessing and mitigating product risks
  • Best practices for complying with regulatory requirements
  • Tips for communicating with customers, vendors, and stakeholders during a recall
  • Proven methods to execute recalls efficiently, minimizing business disruption
  • Tools to protect your business and ensure long-term success in the CPG industry
Get Free Guide
Office: 314 N. Camp, Seguin, TX 78155
Call 830-303-8300
www.bdi-insurance.com

Get an Expert Review of Your CPG Business Insurance

Is your current insurance coverage keeping pace with your growing CPG business? At BDI, we offer a complimentary policy review to ensure your coverage is aligned with your evolving needs. Our specialists will thoroughly assess your policies, identify any gaps, and suggest improvements to protect you from product recalls, liability claims, and supply chain disruptions.

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