What insurance coverage beyond public liability should a drinks business have in place?

Members recommend a comprehensive insurance portfolio that goes well beyond basic public liability. The typical coverage includes:

- **Employers' Liability** — required if you have staff - **Public Liability** — your baseline cover - **Products' Liability** — essential for any food or drinks manufacturer - **Property/Material Damage** — cover for all physical locations where you operate - **Money** — protection for cash and valuables - **Goods in Transit** — covers stock while being moved between locations - **Business Interruption** — protects against loss of income if operations are disrupted - **Legal Expenses** — covers legal costs if disputes arise - **Cyber Liability** — increasingly important for digital operations and data protection - **Management Liability / D&O** — Directors & Officers cover for leadership exposure

Members emphasized this is particularly important if you operate across multiple physical locations, as you'll need to ensure all sites are properly covered.