In today’s food industry, understanding how General Liability Insurance and Product Recall Insurance work together is essential, but often misunderstood. While both coverages play distinct roles, each is critical to protecting food companies from significant financial and reputational risk. Since the introduction of the Food Safety Modernization Act (FSMA) in 2011, food manufacturers, processors, and…
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Food recalls don’t just happen in warehouses and retail stores. They start upstream—sometimes thousands of miles away, while your product is still crossing oceans or sitting in a refrigerated container at port. When contamination strikes during transit, the financial fallout can be devastating. You’re not just dealing with spoiled inventory. You’re facing recall costs, freight…
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Food products rarely travel by just one mode of transportation. A shipment might start in a refrigerated container on a vessel, transfer to rail at port, and complete its journey by truck—with warehouse stops in between. Each transition introduces new risks, different liability regimes, and potential coverage gaps that can leave your products vulnerable. How…
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When your food shipments traverse politically volatile or piracy-prone waters, standard marine cargo insurance often falls short. Food manufacturers, importers, and distributors face a unique convergence of risks: not only must they protect against theft and damage, but they must also account for temperature control failures, spoilage, and the time-sensitive nature of perishable goods. What…
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When you hire someone to work inside or around your home—whether a plumber repairing a leak, an electrician rewiring a room, a contractor managing a renovation, or even a pet‑sitter or house‑sitter—you probably focus on the cost, timeline and quality of work. But one critically important element often gets overlooked: the insurance status of the…
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Essential Insurance Requirements and Contract Protections for Food Businesses You’ve invested time, money, and passion into building your frozen or refrigerated foods business. But your risk doesn’t end with your own operations—it extends to every supplier, co-packer, logistics provider, and vendor you work with. A single uninsured vendor incident can expose your business to devastating…
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Your Foundation for Growth in the Frozen & Refrigerated Foods Industry Starting a business in the frozen and refrigerated foods industry is exciting—but it also comes with unique risks that can threaten your success before you even get off the ground. From product spoilage to contamination concerns, the right insurance coverage isn’t just a nice-to-have.…
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In the food and beverage industry, few things are more costly—or reputation-damaging—than contamination during transit. Perishable goods face constant exposure to fluctuating temperatures, poor handling, and shipping delays. Even a minor oversight can lead to spoilage, product recalls, or legal disputes. According to the FDA, nearly 48 million Americans experience foodborne illnesses each year, and…
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A refrigerated container of fresh seafood sits at port for an extra week due to congestion. Specialty cheeses miss their temperature-controlled deadline. Organic produce spoils before clearing customs. For food businesses, port delays are financial disasters that can wipe out entire shipments and damage hard-earned reputations. Port delays have become increasingly common due to labor…
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For importers and businesses of all sizes, Less-than-Container Load (LCL) shipping offers flexibility and cost savings, ensuring you get your goods to the right place at the right time, regardless of order size. By consolidating cargo with other shippers in a single container, companies can avoid the hefty cost of booking a full container for…
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Coughlin Insurance Services, Inc.
178 Myrtle Boulevard, Floor 2, Larchmont, NY 10538
Toll Free : (800) 542-0661
Tel: (914) 834-1234 Tel: (212) 593-0200
