Property
Real Capacity. Smart Solutions. Reliable Support.
At @Risk Underwriting, our Property underwriting solutions are specifically designed for the complex and high-value needs of the Food & Beverage sector. Whether your client is roasting coffee, bottling beverages, producing dry goods, or operating an independent grocery store, we provide commercial, flexible, and practical ISR cover backed by strong market security.
Industrial Special Risks (ISR) Mark IV base wording
Capacity geared to exposure – up to $200M asset value or $100M loss limit
Strong Lloyd’s and company market security
Specialist claims management
Coverage tailored to the unique complexities of F&B operations
Cover geared to specific and unique industry segments
F&B Manufacturing & Processing
- Coffee roasters
- Soft drink & mineral water producers
- Dry goods & ingredient manufacturers
- Pasta, noodles & cereal production
- Edible oils, marinades & sauces
Beverage Producers
- Breweries
- Wineries
- Distilleries
Retail & Distribution
- Small and independent supermarkets
- Grocery retailers
- Specialty food stores
EPS Risks
- Considered on a case-by-case basis, subject to adequate controls.
Risks Not Accepted
- Abattoirs with rendering plants
- Boarding houses / backpackers
- All farms (including hog & poultry)
- Hay compressing / storage
- Chemical storage or chemical processing
- Island risks
- Nightclubs, discos, or adult entertainment venues
- Paint, varnish & coatings factories
- Plastics manufacturing or processing
- Poultry farms
- Recycling & redemption centres
- Sawmills
- Seafood processing
- Scrap metal dealers
- Tyre retailing or wholesaling
Construction Standards Matter
We do not accept:
- substandard construction
- asbestos exposure
- inferior building practices – where food safety or structural integrity is at risk.
If you’re unsure whether a risk falls within appetite, our underwriting team is always available to provide guidance.
Why Brokers Choose @Risk Property Underwriting
Specialised Underwriting
We understand the operational processes and risk complexities of food and beverage businesses.
Scalable ISR Solutions
Big enough to handle complex industrial risks, flexible enough to support smaller operators.
Capacity That Matters
Significant asset and loss-limit capacity designed for modern F&B manufacturing and retailing.
Claims Expertise
Handled by specialists who understand F&B operations, product flow, and process exposures.
Strong Market Security
Underwritten by Lloyd’s and reputable company markets, providing long-term financial strength and stability.
Ready to Submit a Property Risk?
Let our underwriters review your risk submission and provide quick appetite feedback.