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Food & Restaurant

Managing Risk in the Food Industry is Our Specialty.

SterlingRisk has been providing comprehensive insurance coverage for the food industry ever since we opened our doors. Over the years, we have developed an in-depth industry expertise that far exceeds our competitors’ in managing the unique risks for businesses in:

  • Food Manufacturing
  • Food Distribution
  • Restaurants
  • Retail Grocers
  • Wholesale/Retail

At SterlingRisk, our unique consultative approach focuses on tackling your most pressing challenges to reduce your risks and the cost of the insurance that protects you from them.

Protect Your Business in Case of Fire or Natural Disaster.

A fire or natural disaster could force your business to temporarily shut down. Many business owners do not think about how they would handle such a situation. The Insurance Information Institute reported that more than 25 percent of all businesses that close down following a disaster never open again.

Plan ahead with SterlingRisk. There are measures you can take to protect your company’s bottom line. Business continuity coverage is a valuable option to help safeguard your business. This coverage would be added to your property package and funds the restoration of your business operations after a loss. Additional coverages we can provide include:

  • Business Income – designed to replace income your business would have incurred had no loss occurred.
  • Extra Expense – designed to pay for necessary expenses incurred during the period of restoration of the property.
  • Contingent Business Continuity – an extension of coverage designed to cover loss of income your business incurs due to a property loss at a key supplier or customer location.

SterlingRisk’s team of P&C experts will help you uncover your exposures and develop a sensible business continuity plan appropriate for the size and scope of your business.

Protect Property and Income from Exposures to Loss.

We start with a deep analysis of your business, its risks and loss history, and compare it to others in your industry so we can negotiate effectively on your behalf. We then design the right insurance program for your business complete with proactive loss control solutions. We leverage our clout with leading carriers to customize superior commercial property and liability insurance coverage at the lowest possible cost.

At SterlingRisk, we are passionate about delivering client service. We focus on managing your insurance programs so you can focus on growing your business. We offer:

  • 24/7 access to a dedicated client service advocate.
  • Same-day response to certificates of insurance requests.
  • 48-hour turnaround on contract reviews.
  • Delivery of new commercial property and liability insurance policies on a timely basis (subject to carrier issuance).
  • Access to a dedicated claims management team.

Minimize Expenses and Reputation Damage from a Product Recall.

A product recall can damage your reputation and your business income. While we cannot prevent a recall, SterlingRisk can help you better plan for one. We will work with you to review your existing procedures and help you establish a formal recall plan to help you minimize its potential impact. We will also design an insurance program to cover the resulting loss of income, as well as reimbursement of expenses.

Prevent Employee Injuries and Resulting Lost Productivity.

It is your job to keep your employees safe. Our in-house loss control specialists can show you how. We will review and analyze your operations with an eye toward understanding why employee injuries occur and develop a safety plan to prevent them. SterlingRisk will also help you implement safety programs, train management and staff and monitor progress. The result is a safer work environment, improved productivity and a more competitive workers’ compensation policy demonstrating your commitment to safety.

With SterlingRisk, you get more than an insurance broker; you get a risk management partner who understands your company’s unique challenges and how to help your business manage them, reduce losses and limit costs. See for yourself. Contact us today.