Pet Food Manufacturing Insurance Coverage Checklist
The coverages a pet food manufacturing business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for pet food and treat manufacturers. Priorities reflect typical exposure; confirm against raw products and co-packing.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Products & Completed Operations Liability | Covers injuries and illness from products sold — the core coverage. | Core | |
| Product Contamination / Recall | Covers recall costs after contamination, including pathogen and mycotoxin recalls. | Core | |
| Commercial Property & Business Income | Covers the plant and lost income. | Core | |
| Umbrella / Excess Liability | Adds limits for class actions over pet deaths. | Prevalent | |
| Workers' Compensation | Required in most states for employees. | Core |
The coverage gap most often missed
The most commonly missed gap for this class is recall coverage for raw products. In January 2025, FDA required raw pet food makers to add H5N1 bird flu to their food safety plans after cats in four states died from contaminated food. Pet food recalls also follow Salmonella, aflatoxin, and nutrient errors, and pet-death class actions follow recalls. Manufacturers should carry contamination and recall coverage and update their plans for H5N1.
Send us the checklist and we'll review your pet food manufacturing coverage line by line, then market it across multiple carriers that compete for your account.
Related: Pet Food Manufacturing Insurance · Pet Food Manufacturing Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a pet food manufacturing business need?
The core coverages for a pet food manufacturing business are Products & Completed Operations Liability, Product Contamination / Recall, Commercial Property & Business Income, Workers' Compensation. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my pet food manufacturing coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.