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Specialized Insurance Programs

Specialized insurance for food manufacturers, processors, distributors, & importers.

As an independent agent, we represent every top “A” rated insurance carrier who offers insurance products for Food & Beverage Distributors/Wholesalers, Food & Beverage Manufacturers and Retailers. We have the expertise and relationships with key underwriters in this specialized insurance marketplace which allows us to negotiate the best possible terms and conditions for our clients. We are dedicated to the food industry and have a pulse on what is happening in this complex insurance market each day.

R.J. Fregenti Associates is your single source solution to meet your specialized insurance and risk management needs!

We offer business insurance solutions for these and other food-related risks:

  • Product recall (The industry is seeing a significant increase in product recall issues)
  • Food spoilage
  • Refrigeration breakdown
  • Off-premises utility failure
  • International import/export risks
  • Malicious/accidental contamination
  • Adverse publicity and social media
  • Brand/label/reputational risk
  • Supply chain disruption
  • Business continuity
  • Regulatory change (i.e. Food Safety Modernization Act and Adulterated Ingredient Act)
  • Contact review
  • Loss of profits

Metal Works &Machine Shop Insurance

At R.J. Fregenti Associates, we understand that all metal work shops are unique and have their own risks and challenges with keeping them safe. Our insurance programs strive to provide specialized coverages for the metal working industry. Specifically machine shops, and other metal goods component manufacturing companies.
Our Programs can include…

  • General Liability
  • Property Insurance
  • EDP(computers/software)
  • Transportation/cargo
  • Crime / theft
  • workers compensation
  • umbrella insurance
  • loss of income
  • product recall
  • mechanical breakdown
  • Earthquake / flood
  • Auto insurance

Some of the Industries we serve…

  • Instrument Manufacturing
  • Tool Manufacturing
  • Pattern Manufacturing – metal
  • Valves Manufacturing
  • Cut-Off Shop (Saw, Laser and Waterjet)
  • Goods Manufacturing NOC
  • Goods Manufacturing – Stamping
  • Grinding Shop
  • Metal Heat Processing
  • Machine Shops (metal, plastics or composites)
  • Plastic Mold Injection Manufacturing
  • Rubber Goods Manufacturing
  • Sheet Metal Work – shop only
  • Machinery Parts Manufacturing
  • Wire Goods Manufacturing

Machine shop insurance programs protect a wide variety of metal-working tools, including:

  • Drills
  • Milling machines
  • Cutting and welding equipment
  • Lathes
  • Presses
  • Grinding machines
  • Polishing machines

Our machine shop insurance programs cover commercial packages which could include general liability (with or without Products Liability) metal shop equipment, commercial vehicles, office equipment, cpu, inventory, finished goods, and business interruption (both predictable and unpredictable). We can also add worker’s compensation included in our machine shop insurance programs.

Real Estate

Ownership brings a new set of risk-management issues that include claims management, loss-control and maintenance of adequate insurance coverage and detailed cost allocation to various partners. Additionally, your commercial real estate insurance agent must understand not only how to insure real estate insurance risks but also all of the exposures, contracts, and business practices of all of the following types of real estate risk

Property Owners’ Insurance

  • Resorts Insurance
  • Apartment buildings
  • Industrial buildings
  • Office buildings
  • Retail properties
  • Warehouses
  • Hotels and Motels
  • Tenants in Common (TIC)
  • Real Estate Investment Trusts (REITs)
  • Residential & Business Condominiums
  • Property Managers
  • Data Centers
  • Self Storage Unit Insurance

Your real estate insurance agents must also understand all of the real estate insurance coverage and strategies such as:

  • Flood Insurance
  • Earthquake Insurance
  • Hurricane Insurance
  • Deductible Strategies
  • Layered Property Insurance Structures
  • Real Estate Professional Insurance
  • General Partners Errors & Omissions
  • Real estate worker’s compensation
  • Real Estate Pollution Insurance
  • Developers Errors & Omissions
  • Builders’ Risk

The information contained on this page is provided for informational and educational purposes only. It contains general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverages, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details. Sample policy forms will be made available upon reasonable request.