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These distributors offer fresh and frozen dairy products to cheese shops, grocery stores, eating establishments and other retailers that sell dairy products to the public. They may specialize in one product, such as cheese, or sell a variety of dairy products. Milk, buttermilk, butter, cream, margarine, eggs, cheese and yogurt are among the items these businesses distribute.

General Liability Insurance for Dairy Products Distributors – Dairy products distributors typically have low risks of premises liability. If farmers deliver their dairy products to the premises, then premises liability risks are increased. Designated areas should be specified for non-employees to load and unload their products. The primary risks include slips/trips/falls and toppling merchandise. A waiting area for farmers and other delivery drivers should be provided. All furniture and displays should have smooth surfaces that are free of defects such as sharp corners and splinters. Products liability is a concern because dairy products spoil easily and are susceptible to contamination as well. Dairy products should be dated and rotated in order to reduce the risk of products liability.

Workers’ Compensation Insurance for Dairy Products Distributors – Improper lifting may cause injury to employees of dairy products distributors. Employees should receive training on appropriate lifting techniques. Workers should ask for help when lifting heavy or awkward objects without the assistance of conveyance equipment. Employees could also be injured while loading and unloading docks and vehicles. Adequate training should be provided.

Business Auto Insurance for Dairy Products Distributors – Drivers who deliver dairy products should be in good physical condition with acceptable driving records. MVRs should be regularly checked for all drivers. Business auto risks increase for owned vehicles with heavier gross vehicle weights and when the radius of travel exceeds 50 miles. Residential deliveries of dairy products will also increase business auto risks. Delivery vehicles should be serviced frequently and remain in good repair. Records should be kept of all vehicle maintenance.

Property Insurance for Dairy Products Distributors – Most dairy products distributors require refrigeration or freezing. As a result, dairy products distributors must have properly working refrigerators and freezers. In the event of a power outage, backup procedures should be available and alarms should be used for notification when power is lost. Smoke, water and fire may damage and/or contaminate dairy products, which could result in a total loss in the event of a fire. Refrigeration equipment and any other electrical equipment should be regularly inspected for frayed, cut, or worn out wiring that could potentially cause a fire. A licensed electrician should immediately make the necessary repairs. Products should be dated and rotated to maintain freshness and quality in order to prevent loss of property. While dairy products are in transit, they should be properly packaged and refrigerated in order to reduce Inland Marine risks.

Crime Insurance for Dairy Products Distributors – Dishonest employees may steal merchandise or money from dairy products distributors. Separation of employee duties will help reduce crime risks. Inventory should be controlled by employees who are not authorized to submit and process orders. Outsiders can engage in theft by stealing money and securities by burglary or robbery. Bank deposits should be made on at least a daily basis at unpredictable intervals to reduce the chances of courier robbery.