Food & Beverage Division

Passion, Expertise and a Commitment to Excellence

That’s what it takes to be successful in the Food & Beverage industries. We know because our team at the Thomas H. Heist Food & Beverage Division has worked in those industries. And we’ve brought that same level of dedication to helping you protect your business, and the success you’ve worked so hard to achieve.

Customized Coverages To Meet Your Specific Needs

Our consultative approach allows us to customize a program to your unique operations. Some business owners see insurance as a commodity ­– one policy is as good as the next. Not true. At Thomas H. Heist Insurance Agency, we understand that every business is unique. Our process is specifically designed to identify, measure, and mitigate risk, driving down the cost of insurance and helping increase profitability. Whether your business is food manufacturing, beverage distribution, or restaurant owner, you need a team of professionals that understands the wide variety of risks and exposures that you face every day. And with the intense level of competition in today’s business environment, it is essential to have a plan in place should a loss occur.

We Specialize In

  • Fine dining
  • Bakeries — retail and wholesale
  • Liquor stores
  • Casual dining
  • Delicatessen
  • Catering halls
  • Meat / seafood markets, retail and wholesale
  • Restaurants
  • Specialty food shops
  • Breweries
  • Distillers


Member NJ Restaurant & Hospitality Association

Focused On Risk Control And Preventing Loss

The best way to control costs and keep your business running smoothly is to avoid an accident or other loss in the first place. So our experts will help facilitate a thorough risk assessment including on-site inspections to help identify and mitigate your exposures. We will continue to monitor and adjust your risk management program to fit your evolving needs, which will help protect workers, safeguard assets, and improve your overall bottom line.

Exposures Covered May Include:

  • Equipment Breakdown
  • Delivery
  • Grease Fires
  • Food Contamination/ Food Safety/ Food Security
  • Product Recall
  • Reputation and Customer Retention
  • Premise Slip and Fall
  • Food Born Illness
  • Harassment & Discrimination
  • Liquor Liability
  • Workplace Safety
  • Supply Chain Disruptions
  • Theft
  • Data Breach



Outstanding Claims Handling and Customer Service

At Thomas H. Heist Insurance Agency, experience, integrity and personal service are the pillars upon which our business, and our reputation, has been built. We take a consistent and seamless approach to handling claims, beginning with the initial report all the way through to the final resolution. Our claims staff is here to make certain that the insurance carriers are diligent in paying claims properly, accurately, and promptly.


For more information about our Food & Beverage Program, or for any other insurance need, call us at (800) 220-6613.

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