Food brands have risks other brokers don't understand.
FSMA compliance. Co-packer recalls. Cold chain liability. If you're in major retail, every one of these can take your brand offline. We've seen them all — and we know exactly which coverage stops each one.
The four claims that hit food brands hardest
Your co-packer has a contamination event. Your Whole Foods buyer is on the phone. Your recall policy either covers this or it doesn't. Most food founders find out which one at the worst possible moment.
Co-packer recall
Your co-packer has a contamination event. Even if your formula is fine, your brand is on the label. A Class I recall can cost six figures before you've shipped a replacement case.
FSMA compliance gaps
The FDA's Food Safety Modernization Act requires documented food safety plans, supplier verification, and recall procedures. Missing any piece creates regulatory and liability exposure.
Allergen labeling claims
A mislabeled allergen — tree nuts, dairy, gluten — can trigger consumer injury claims and voluntary recalls. We see this most with co-manufactured products where labeling decisions happen far from your team.
Cold chain failure
Temperature deviation in transit or storage that damages your product creates both inventory loss and third-party claims. If a distributor's freezer fails, your brand still bears responsibility to retailers.
Coverage built for your stage
Food coverage has more moving parts than most founders realize. We match your policy to your stage — General Liability for your first retailer, recall coverage before your first co-packer, D&O when your investors ask.
Launchpad
$0 – $5M revenuePre-revenue to ~$1M. Getting into your first retailer or launching DTC.
Scaling
$5M+ revenueIn major retail. Co-manufacturer relationships. Investor conversations.
CPG founders on the broker who already understood their world.
We have used SecureCPG for 2 years and have been impressed with their depth of knowledge in our space and ability to work with carriers to ensure we are getting the best coverage possible.
SecureCPG has been a consistent and reliable partner who takes the time to understand our business and deliver critical results.
Highly recommend SecureCPG! They are timely with communication and experts at navigating the specific needs of our brand portfolio. They make the insurance process simple, transparent, and stress-free.
We started working with SecureCPG when we could not find a broker who understood our unique business and products. They found improved coverage at a better price and consistently demonstrate their knowledge of both CPG and insurance.
We know what keeps food founders up at night.
CPG food-only, not restaurant-adjacent
We don't cover delis or food trucks. Only CPG food brands — so we know what Whole Foods Market's vendor insurance portal requires and what UNFI's co-pack agreement says.
Recall coverage that actually works
Most food brands don't know their GL won't cover a recall. We build recall coverage in from day one — before your first retailer onboarding.
Russ picks up the phone
Your Whole Foods buyer calls at 9pm — contamination report on your SKU, they want your recall procedure now. Russ knows your policy before you've finished explaining the situation. He picks up. He knows what to do.
Carrier access built for food and recall risk
We work with carriers who specialize in food safety — ones who understand a co-packer indemnification clause, know how to price a FSMA compliance gap, and don't confuse your brand with a restaurant chain.