Our team works with all sectors of the agriculture, food and beverage industries, helping you understand and reduce your cost of risk. We fuse our deep industry insight and experience with a global network of resources — including comprehensive data and analytics — to craft solutions that meet your unique business and people needs.

Food and agriculture businesses face a multitude of challenges, from product recall and contamination risks to weather events, supply chain issues and labor shortages — not to mention changing consumer habits. Regardless of those challenges, you show up every day, dedicated to providing food and drink to the world.

Our Gallagher Food and Agriculture team is there too. For almost 100 years, we've been dedicated to helping you navigate the evolving landscape, finding solutions that manage and reduce your risks. So you can focus on doing what you love.

Serving a wide variety of food, agriculture and beverage businesses

We deliver risk management strategies and insurance solutions for traditional agriculture clients as well as food and beverage manufacturers and distributors, grocery stores and other retailers.

No matter where you are, we've got someone to help you. We work with:

In-depth agricultural knowledge and experience to understand you better

Our shared heritage allows us to understand agricultural economies and food and beverage processing operations, as well as the issues and needs of the grocery industry. Gallagher is recognized as a specialist in the world of food and agriculture risk solutions, starting with Chicago's Bowman Dairy in the 1930s through Beatrice Foods in the 1950s and today's international corporations.

By tapping into the extensive knowledge and experience across Gallagher — combined with our relationships with top carriers — we can deliver coverage solutions that work for your business, as well as consulting advice on issues such as protection of property, food quality, worker safety, vehicle accident prevention and risk transfer.

Specialist advice on product contamination issues and recalls

One of the most essential risk management tools available to food, agriculture and beverage companies today is coverage for product contamination or recalls. Yet, it's often misinterpreted in the insurance space.

Recognizing the potential catastrophic impact of such an event can have on a company's balance sheet, Gallagher has assembled a premier team to deliver the comprehensive insight food industry companies need to be well prepared.

As a Gallagher client, you'll have access to a dedicated team of product contamination professionals. Learn more about the Product Recall team's capabilities.

Delivering comprehensive, unique programs that set us apart

Our team collaborates with you to understand your unique requirements and anticipate coverage gaps to deliver a risk management strategy that's good for you now and in the long run. We leverage both people and data resources to provide coverage solutions for all your business needs, including equipment failure, business and supply chain interruptions, cyber, environmental, executive liability, trade credit and more.

We also recognize that the challenges each region faces are as different as what they produce. We put our global network and marketing intelligence to work on specialized solutions, so whether you're a beef rancher in Texas, a blueberry producer in Washington or a potato chip manufacturer in Pennsylvania, we help you identify and manage the precise risks you face.

We've designed numerous programs specifically for the food and agriculture industry, to offer consulting advice that addresses the needs of your business and broader coverage than found in the standard marketplace. They include:

Expansive network of resources makes a difference for you

Gallagher offers a deep bench of knowledge and experience to identify and help manage the complete spectrum of needs and risks that come along with producing, distributing and selling food and beverages. As a Gallagher client, you can benefit from a wide range of resources, including:

Gallagher's Enterprise Risk Management works with you help overcome obstacles to success, while at the same time capitalizing on new opportunities.

Our broad strategy helps you identify, assess and address risks across your entire organization through insurance or another action, creating efficiencies across all operations as risks are understood and measured.

Our strategic approach includes an in-depth program review, a strategic risk assessment, training and workshops, and ERM implementation or consulting advice.

Gallagher Drive®, our premier data and analytics platform, combines industry benchmark information, market conditions and claims history to give you relevant, real-time data that can help optimize your risk management programs. Whether it's catastrophe modeling for property risk management, industry peer comparisons or claims trends and forecasting, we can help you better manage your risk.

With our CORE360® approach, we work closely with you to identify your unique requirements and create a customized risk management plan. By reassessing your total cost of risk, we help you recognize both current and potential costs, as well as offering strategic solutions to reallocate these expenses. Consequently, you gain the ability to understand, control and minimize these costs, leading to improved profitability.

Our National Risk Control team leverages its experience with emerging safety issues, new products and regulatory issues to help agriculture, food and beverage industry clients implement risk improvement strategies to positively impact your cost of risk.

We can be a one-stop solution for all your needs, including HR and benefits consulting. Our consultants will work with you to assess your current situation and help you make confident workforce decisions about competitive compensation and employee benefits packages, including group health insurance and pension plans.

Success story: Improving claims and loss control with food manufacturing

The challenge

Gallagher contacted a large food manufacturing client to discuss their overall risk management program. During the discussion, we learned that the company was experiencing issues with their current carrier and the management of their claims. Gallagher did a full analysis of their risk management program with special attention paid to mitigating claims.

The solution

Using our CORE360® model, we evaluated the six cost drivers of the client's risk management program, working to minimize their total cost of risk.

The result

  • Saved the client 20% on their premium by consolidating coverages and switching to a carrier that specialized in the food and agriculture industry
  • Restructured the program from six to four carriers and consolidated $100M commercial umbrella insurance, while saving money on the premium
  • Added $1M of coverage for exposed areas — environmental and product recall insurance — at no additional cost
  • Managed the client's claims and provided loss control services to further improve their program and provide future savings

Helping you cultivate quality food and drink for the world

From producers to retailers and everyone in between, we work diligently to design risk management strategies that foster the success of your agriculture, food or beverage business. Gallagher understands the many challenges the food and agriculture industry faces — let us help you meet those challenges so you can navigate your future with confidence.

Meet the Food and Agriculture insurance leader

Food and Agriculture Insurance Summary

  • Serve wide range of businesses, including producers, suppliers, processors, food and beverage manufacturers and distributors, and retailers
  • Leverage vast network of people and data resources to deliver best outcome for client
  • Tailored insurance programs designed specifically for the needs of agriculture, food and beverage clients
  • Provide critical claims advocacy and support

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