Due to our extensive experience, our expert team are well versed in the risks that businesses in the food and drink industry are exposed to on a day to day basis.

We continuously review and update our food and drink scheme to reflect emerging risks such as cybercrime, key process machinery breakdown and subsequent loss of profits and legal and regulatory cover for breaches in areas such as incorrect labelling of allergens or incorrect origins of unprocessed meats.

Traditional risk areas such as Public Liability, Product Liability, Employers’ Liability and Business Interruption are growing in complexity. Add this to evolving risks such as Brand and Reputation Damage, Product Recall, Supply Chain Disruption, Regulatory Change and Environmental Risks, then the need for increased cover and risk management becomes paramount.



We work closely with the Food & Drink Federation and arrange cover for many of their members

We have an exclusive and unique facility tailored to the industries needs

We have over 25 years of experience in working with food and drink businesses

We work with top insurers and have direct access to the Lloyd’s of London market through our Group brand

At Specialist Risk, we combine over 25 years of experience in working with all types of food and drink businesses – from meat and poultry, to wine and spirits.

We understand the evolving challenges businesses in the food and drink sector face, and we adapt our offering to reflect this. Our team will work closely with you to understand the nuances of your business. They then use their expert knowledge and well-established relationships in the insurance market to create a tailored solution to protect your business.

Whether you are working with one of our technical insurance experts, a claims expert or a food and drink industry expert, you can be sure that you are in safe hands.


We can work with any food and drink business, any part of the supply chain. Amongst others, our clients include:

  • Bakery and confectionary
  • Dairy
  • Prepared foods
  • Speciality meat, fish, fruit and vegetable processors
  • Soft drinks and bottled water
  • Alcoholic beverage distillers and breweries
  • Bulk Manufacturing / production facilities
  • Wholesalers
  • Importers / exporters
Appointed insurance broker for the Food and Drink Federation’s members


The food and drink industry is both diverse and sophisticated. Each business faces unique risks and therefore, we work closely with you to create a bespoke solution to protect you. Typical covers we look at for businesses in the food and drink sector include:

Buildings Insurance protects your business premises should it be damaged by fire, flood, burst pipes or storms…
Contents and Stock covers the cost of replacing stock, equipment and other goods following an incident…
Crime cover protects you from both internal and external fraudulent activities, helping to get your business up and…
Cyber Insurance offers comprehensive cover and if required, helps deal with reputation management…
Employers’ Liability, Public Liability and Product Liability are key to protect your business against the diverse…
Environmental Impairment Liability provides cover following an incident that causes pollution on land…
Goods in Transit insurance provides cover for theft, loss, or damage of goods whilst they are being transported…
Machinery and Plant is a vital cover to protect necessary plant and equipment used by industries such as…
Marine Cargo cover protects businesses that are responsible for transporting goods both domestically and…
Our combined Material Damage and Business Interruption cover provides businesses with full protection…
Motor Fleet protects the fleet of vehicles that your business operates under one insurance policy…
Product Recall covers the reasonable and necessary expenses of recalling and replacing products where…


Miles Smith, now Specialist Risk Insurance Solutions, was asked by a large nationwide retailer to undertake a thorough review of its insurance provisions to highlight any potential gaps in cover.

Read the Whole Case Study

“We have placed our insurances with Specialist Risk Insurance Solutions, formerly known as Square Mile Broking, for over 5 years. They have a great knowledge of our industry and their attention to detail & responsiveness to our requirements stand out for me. Over the years they have dealt with our claims extremely efficiently and pro-actively and provide quarterly claims reporting so that we can track our claims and action internally. They have been extremely helpful in risk management ideas to help mitigate and minimise our claims. We would not hesitate in recommending their services to any Food & Drink related business.”

Nigel Fredericks Ltd

Andy Esson


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020 7977 4800

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Where is Specialist Risk Insurance Solutions located?

Our head office is in the City of London, the address is:

One America Square, 17 Crosswall, London, EC3N 2LB. We also have offices in Croydon and Ampthill, Bedfordshire however we are currently working remotely due to COVID-19.

Does my trade fall within Specialist Risk’s appetite?

We work with all types of trades across a multitude of industry sectors. Please call us to discuss your specific needs and our expert team will be happy to assist.

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