Food & Drink Insurance

connect to a specialist

Food and drink insurance bread production line_smaller
The resilience of the UK’s Food & Drink industry has not been under as much pressure for a long time as it is now, and so the need for the right risk protection advice has never been greater. Our Food & Beverage specialist team have been drawn together from the best of the insurance and risk protection advice industry based on an extensive track-record of advising and protecting clients in the food and drink and catering sectors.

Supply chains

From ethical sourcing & sustainability concerns to commodity price fluctuations & forex risk to the increasingly complicated matter of moving your goods: dependencies and pinch-points in the supply chain have never been so exposed.

Labour market

Increased competition for a diminished labour pool coupled with an employee base with – rightly – higher expectations as to their treatment means the development of your unique employer proposition should be getting increased strategic focus.

Debt in the System

With elevated levels of debt in the supply chain a strategic approach to credit risk management enables access to lending/finance; means your suppliers can get terms on your credit; as well as helping to shape where you should best pursue opportunity.

Food & Drink resources

Is your food business insurance ready for Natasha’s Law?

As of 1 October 2021, Natasha’s Law will come into effect.

Food & Drink insurance at a glance

Food & Drink Brochure

Fresh fruit and vegetables in a green grocers

Why do you need a food & beverage insurance specialist?

The UK Food & Drink sector in the 2020s is a challenging place. As you consider the risks that face you, how many do your insurance contracts help you with?

We believe that a next-generation risk advisory business needs a much wider range of solutions, coupled with innate knowledge of the drivers behind your industry.

Overlaying this with deep understanding of your operation enables us to build resilience by:

  • Challenging thinking and assumptions, bringing fresh insight to the table;
  • Supporting you and the business across its life-cycle: selective application of innovative diagnostic and risk control solutions from the Ecosystem we build around you
  • Enabling you to perform with minimal distraction: we can even release opportunity, helping you achieve your objectives

Who we support within the food & drink industry


Producers, processors and manufacturers

Increasing scrutiny on the sourcing of ingredients, the first in the chain to feel the impact of commodity prices and a constant balancing act between changing regulations on one-side and more demanding and ever-evolving customer tastes.

Wholesalers & distributors

Movement, storage and onward supply of everything from fresh produce to processed meals and beverages; ambient to frozen; local to global. Capital heavy operations under immense pressure to reduce emissions, the need to innovate has never been greater.

Food service operations

Supplying our vast but damaged catering and hospitality industry, COVID saw many businesses begin B2C trading and lean heavily on digital platforms. New models of operation whilst potentially carrying more debt needs a more holistic, fresh approach.


The final link in the chain for most of the food we consume: the last responsibility for keeping & preparing food safely, looking after immense public footfall but also needing agility to respond to changing consumer behaviours.

Key risks & covers for the Food & Drink sector

We believe the arrangement & placement of the general insurance programme to be the most basic element of what we do, but nevertheless a key cornerstone of any risk programme.

In addition to the standard covers, we normally find the most questions around the following specialist areas:

What are the true costs of a recall event if my product is contaminated or unsafe?

Why do I need insurance for my product beyond the standard contracts with my haulier?

I know we’ve invested in IT infrastructure & automation, but how attractive a target are food & drink businesses really to cyber criminals?

Do I really understand the impact to my business of the death or critical illness of a key person or shareholder?

How can I influence my credit terms with my suppliers, and how can I manage the credit risk in my customer book?

How can I improve our appeal to employees to help with staff attraction and retention?

person holding freshly picked root vegetables

Meet the food & drink team

Gary Clifton

Client Partner,
Food & Drink Practice Lead

Jonathan Miller

UK Sales Director

Helen Rudd

Senior Account Handler

Tamzin Ferguson

Regional Growth Director

Gary Clifton

Client Partner,
Food & Drink Practice Lead
A Chartered Risk Manager with 17 years’ experience including 11 years with NFU Mutual, one of the largest capacity providers to the sector. Gary works directly with clients and has particular expertise in helping complex operations build resilience. Gary leads the projection of Partners&’s ground-breaking approach to risk protection advice into the UK’s most crucial sector: keeping food & drink on the nation’s plates!

Jonathan Miller

UK Sales Director
Before joining the Partners& Executive team, Jon had spent over 10 years leading national food & drink specialist practices at two of the largest global broking firms. His client experience spans the whole of the food supply chain from agriculture to manufacturing and foodservice and he has also supported over 25 M&A transactions within the industry. Jon is also a Director of the Birmingham Food Council and works with a number of food businesses to showcase the broad range of careers to secondary school students through his role at Working Option in Education.
Helen Rudd

Helen Rudd

Senior Account Handler
Helen started her insurance journey within the Charity Sector and then moved across to Care, covering Children’s Homes, Care Homes and Domiciliary Care. She has always had an interest with Care Sector and previously worked in Compliance Training helping elderly and primary. Coupled with this and her insurance background Helen prides herself on identifying every care provider as being unique and having specific needs – Helen is passionate about helping people and making a difference!
Tamzin ferguson

Tamzin Ferguson

Regional Growth Director