Commercial Insurance for CPG Companies
Protect your brand. Strengthen your retail partnerships. Grow with confidence.
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Protect your brand. Strengthen your retail partnerships. Grow with confidence.
As a CPG business, your reputation and relationships are everything. At Higginbotham, we help you protect both, so you can focus on what you do best: creating products people love.
Our CPG Risk Solutions Program is tailored to your business, risks and growth goals. With the right coverage, guidance, and support, you can:
Retailers and distributors expect a lot from their suppliers, and rightfully so. We help CPG companies understand and secure essential coverages, including those required in vendor agreements.
We know the risks you face and the requirements you need to meet because we’ve been working alongside vendors like you for years, helping you stay compliant, confident and ready for what’s next. When you partner with Higginbotham, you get more than an insurance advisor. You get a team that speaks your language, understands your world and moves as fast as your business does.
Running a food, beverage, personal care, household goods or co-packing company comes with unique challenges—tight margins, regulatory scrutiny and constant supply chain pressures. At Higginbotham, we understand that protecting your brand goes beyond insurance, it’s about building resilience.
Below are answers to some of the most common questions we hear from CPG executives and operations leaders about commercial insurance and risk management solutions. If you don’t see your question here, our commercial insurance specialists are ready to help you find the right coverage and strategy for your business.
Minimum coverage recommendations typically include:
Many CPG brands also add coverages like:
If you ship nationally or import ingredients, stock throughput (STP) and cargo insurance are typically recommended to help protect goods that are in transit and storage. Higginbotham builds all of your coverages into a single, tailored program to help simplify your renewals and reduce coverage gaps.
Product liability insurance covers third-party bodily injury or property damage caused by your product.
If you need to pull a product from the market, product recall insurance helps to cover related costs like disposal, shipping, replacement and crisis communications.
Most CPG companies need both coverages in order to protect their balance sheet and their brand.
Standard business interruption insurance is designed to replace lost income and keep your doors open if you experience an insured property loss from a covered event, such as a fire, storm or vandalism.
It’s important to note that, depending on your policy terms, contamination may not be a covered cause of loss. By adding a contamination business interruption endorsement to your policy, you can help protect your business if production is halted due to accidental contamination, spoilage or a required sanitation process.
Similarly, a contingent business interruption (CBI) endorsement helps cover lost income if a critical partner suffers an insured loss that stops your operations. For example, if a key ingredient supplier experiences a fire that halts your production line, CBI can help replace lost revenue and fixed business expenses until operations can resume.
Retailers and co-packers often require specific policies, limits, endorsements or “Additional Insured” language. Higginbotham reviews your retailer agreements and helps to match contract language to insurance coverage so your policies align with these requirements while keeping your budget in mind.
We also help address risks tied to co-manufacturers, such as labeling errors, contamination or ownership of goods in production, through coverages like contractual liability, product liability and property of others.
Stock throughput insurance (STP) is designed to protect your goods from start to finish by covering raw materials, in-progress goods and finished inventory – whether they’re stored in-house, at a co-packer’s facility or in transit. It’s particularly important coverage for food, beverage and personal care manufacturers with complex logistics or multiple storage partners.
Insurance carriers consider more than just claims history when it comes to determining insurance costs. They also consider your organization’s quality assurance, traceability systems, certifications (like HACCP or SQF), safety protocols and recall readiness, among other factors.
Higginbotham can highlight your strengths to insurance underwriters so you can get the best possible rates and terms, even as your operations grow. Our team can also build a personalized risk management program, which may include strategies like:
With Higginbotham, you get more than an insurance broker – you get a partner.
Our approach combines insurance placement with ongoing risk advisory services. That means helping your team to build recall plans, review vendor contracts and coverage requirements, conduct mock audits and stay ahead of emerging risks like cyber threats, climate-related disruption and ESG standards. You gain a true partner who’s focused on reducing your total cost of risk, not just renewing your policy.
Higginbotham’s team brings extensive experience serving food, beverage, snacks and personal care vendors and suppliers across the country. With strong carrier relationships and tailored solutions, we help your business to scale smart and stay protected.
When your CPG business is covered, your team and brand are protected, your retailers trust you and growth becomes easier. That’s the peace of mind Higginbotham delivers.