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Running a food business comes with a long list of responsibilities. Making sure you have the right insurance in place sits near the top of that list. Two types of coverage that come up regularly for food industry businesses are general commercial insurance and errors and omissions (E&O) insurance. Understanding both — and knowing how to approach an E&O application correctly — can protect your business from the financial and operational exposure that follows a foodborne illness or contamination event. What General Commercial Insurance Covers for Food Businesses General commercial insurance forms the foundation of any protection plan for a food business. It addresses risks tied to physical operations — the kinds of incidents that can occur regardless of how carefully your team follows procedures. A standard general commercial policy typically addresses: Bodily injury claims if a customer, vendor, or visitor is injured on your business premises Property damage liability when y...