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Food & Drink Intelligent insurance protection that spans your business and your supply chain. Oval Food & Drink Insight. Service. Performance.

Specialist risk and insurance solutions for the Food & Drink sector The food and drink supply chain is complex: interlinked locally, regionally, nationally and globally it runs to fine, Just-In-Time tolerances across road, rail, sea, air and Internet. From raw materials and production, to delivery plus all points in between, you’re looking for bespoke, insurance protection across your operations that won’t let you down at the moment of truth. That’s why it’s good to know there’s a specialist food and drink insurance broking partner out there, with the right mix of risk management ingredients. The largest manufacturing sector in the UK employing over 500,000 people1, food and drink faces a range of tough business challenges. There’s pressure on resources and global demand is moving eastwards, providing new growth opportunities in export. Then there’s production efficiency, security of supply, escalating costs, seasonality, changes in consumer behaviour, new value propositions, intense retail competition and a complex regulatory regime to negotiate. Likely to remain under a fierce media, consumer and compliance spotlight for some time to come are the key issues of contamination, traceability, recall and crisis management.

Welcome to Oval Food & Drink: insurance solutions made to order A top UK commercial insurance broker, our tailored insurance solutions include sector-specific and enhanced policy features and wordings not found elsewhere. Spanning the full spectrum of food and drink production applications, we’ll help you identify liabilities, cut costs, quantify risk and mitigate losses across the following operational and administrative areas:

• Public Liability, Product Liability, Tamper and Recall

Your operational liabilities are significant: they span people, brand, property, production, processing, Health & Safety, environment, continuity, import/export, contracts, warehousing and logistics. That’s why it makes sense to seek an integrated, bespoke approach to risk management that simplifies complexity, optimises costs, delivers flexibility and maximises your cover.

• Employers and Employment Practice Liability • Directors and Officers Liability, Essential Person • Environmental Liability • Stock and Third Party Storage • Deterioration of Stock

While risk is part of your business: risk is our business. Oval Insurance Broking (Oval) can deliver the insight, empathy and innovation that ensure your range of business and sector-specific insurance policies are simple, competitive, efficient and cost effective. We also provide you with on-demand expertise from people who take the time to understand the rhythm of your business – then translate that knowledge into bespoke insurance that works harder for your bottom line.

• Goods in Transit and Marine cover

We work with leading insurers, offering bespoke policies that close the gaps and anticipate emerging risks - ensuring the goods, asset and people protection you demand is in safe hands. Our practical and intellectual expertise has made us the insurance broking partner of choice for food and drink business across the country, delivering the know-how to service both domestic and global insurance programmes.

• Health & Safety including Food Safety

• Property Damage – all structures, including fire • Business Interruption and Recovery • Crisis Management/Brand and Reputation • Machinery and Plant Breakdown • Internet and eCommerce cover • Credit insurance • Contractual Advice and cover • Supply Chain • Warehousing – all applications • Transportation and Vehicle Fleet


UK Trade & Investment (UKTI), Sector Overview: March 2013.

Intelligent insurance solutions prepared precisely to your taste… You’ll find the food and drink insurance solutions and services you need to help protect your business against the expected and the unexpected alike. Our approach is based on a strong service ethic and focused on the key risk management values you expect. • A safe pair of hands: a partner you can trust, backed by experience, commitment, national reach and a food and drink track record that can meet the exacting risk needs of your business at every stage of its growth and development. • Market momentum: a combination of size, attention to detail and demonstrable understanding of each client’s business means insurers trust us and want to work with us. Plus, we’ll always negotiate hard on your behalf because we believe in the primacy of putting you first. • Entrepreneurial attitude: working with the UK’s leading insurers and underwriters, we deliver protections that address your emerging risks. • Partnership approach: a total commitment to understanding your business sits behind our long-standing client relationships and high client retention rates. • Innovative mindset: we are constantly investing in ways to support our service delivery and risk management support – including digital documentation, cover summary access and secure online portals. • Fast, expert problem solving: we’re proud of our reputation and we are committed to providing a quick response that makes the most of our cumulative risk and insurance expertise. • Client benchmarking driving best practice: working with a diverse range of food and drink firms, we analyse the strategic trends - then share and apply our learning. • Competitively priced quotes, services and deals: our lean business model keeps our structure flat and overheads down, enabling us to pass premium savings directly onto you. • Expert claims handling: we don’t outsource claims handling – that’s why you’ll always receive a prompt, no-hassle service from our expert, in-house claims handlers. • Exceptional reach: we have over 800 people working through our nationwide network of 19 offices so we can deliver that personal service - wherever you are.

Bespoke protection that’s exclusively for you… With many years experience in your sector, we design bespoke covers that span a range of manufacturing, processing, warehousing and logistics risks, including: • Insulated building/cold stores including properties with composite panelling • High capacity warehouse and DC storage • High bay and narrow aisle warehouse risks • Sprinklered and non-sprinklered • Refrigerated and ambient warehousing • Oven, machinery and plant dependent processes • Cooking and processing • Full explosion, spontaneous fermentation heating or combustion covers • Global marine movements, including bulk commodity movement and storage • Fleet management expertise for distribution and sales vehicle fleets • Terrorist and direct action cover

Insight. Service. Performance. At Oval, we provide agile risk management and insurance solutions that proactively protect the UK’s food and drink sector. Above all, we invest in our people. We have drawn together experienced, high calibre professionals who blend the advisory, administrative, technical, listening and claims management skills essential to delivering the exceptional levels of insight, service, agility and pitchperfect performance you demand. You may be mass-market or speciality. You may be sweet tooth or savoury. You may be a manufacturer, brewer, baker, breeder, processor, producer, wholesaler or distributor. Wherever you are on the food and drink spectrum, you can rely on Oval to go further – so you don’t have to.

About the Oval Group The Oval group is a leading UK risk, insurance broking, healthcare and financial services advisory group. With offices across the UK, Oval Insurance Broking (Oval) is the specialist insurance and risk management partner of choice for thousands of organisations and individuals across a range of disciplines and industry sectors. From general insurance to sector-specific requirements, the strength of Oval lies in designing bespoke, dynamic and keenly competitive risk solutions that fit your needs exactly. Our skilled specialists take the time to understand those needs, simplifying risk to deliver a consistently innovative, high standard and high performance service that adds value, capability, agility and competitive edge to your business. For more information, visit us at

Would you like to talk? If you have any questions or would like to explore how you can make your insurance work harder for your organisation, we’re here to help. Call: 0800


Or drop an email to:

Oval Insurance Broking Limited Registered Office: 9 South Parade, Wakefield, WF1 1LR Registered in England No: 01195184 Authorised and regulated by the Financial Conduct Authority.

Insight. Service. Performance.

Food and Drink Insurance  

Specialist risk and insurance solutions for the Food & Drink sector

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