Food & Beverage

HUB International Midwest Limited has built a reputation for being a leader in the Food & Beverage industry. Our expertise is based on a a thorough understanding of risks specific to the Food & Beverage industry and our ability to customize risk transfer solutions to manage those risks.

With a dedicated practice team that facilitates risk assessments and insurance placements for food industry businesses, HUB International Midwest Limited offers:

  • Expert advice from food industry specialists who understand your specific business issues and risks including products contamination, products recall liability, and brand rehabilitation. Our goal is to reduce your exposure to "out-of-pocket" financial loss.
  • Customized solutions designed to enhance your company's financial and operational performance. Protecting your income flows through structured business interruption analysis and insurance program design.
  • A consultative safety and risk management approach that includes a thorough analysis of your primary risk issues and cost drivers including escalating workers' compensation costs or the exposure to product liability claims, product recall claims, wage and hour claims, or employment practices liability claims.
  • Timely execution of day-to-day account service needs, renewal placement, marketing, and proposal delivery
  • Expert resources and online tools that give you access to information about your risks and insurance coverage.
  • Comprehensive portfolio of insurance and risk management services to meet all of your business insurance needs for property, casualty, liability, employee benefits, and more.

Industry Expertise

Food processing and distribution is a tightly regulated industry with significant risks that require innovative risk management and risk transfer solutions. A simple product recall event can significantly damage your bottom line and brand. To mitigate the risks associated with having a product recalled you must work with a broker partner who can help you to asses and manage your risks proactively.

The HUB International Midwest Limited team has worked with regional and national food processors, manufacturers, and distributors. Our team includes former risk managers, attorneys, OSHA compliance professionals, human resource professionals, environmental professionals, product liability specialists, business continuity professionals, emergency responders, claims specialists, and property risk engineers.

We'll work with you to identify ways to better structure coverage, transfer risk, and manage your bottom line total cost of risk.

HUB provides a full array of specialized lines of coverage for the food & beverage industry including:

  • Products contamination/Product recall insurance
  • Large Deductible Cash Flow Program & Self-Insured Programs
  • Workers' Compensation
  • Environmental Risk Insurance
  • Business Interruption Exposure Analysis
  • Cyber Risk/Network Security/Privacy Liability Insurance
  • Contract Surety/Performance Bonds
  • Collateral Analysis and Loss Forecasting
  • Directors & Officers Liability Insurance
    • Wage and Hour Coverage
  • Employment Practices Liability Insurance
  • Workplace Violence
  • Full range of Safety Management & Risk Control Services including Risk Assessments, Fleet Safety Management, Ergonomics Assessment, Job Safety Analysis, Emergency Response Planning, OSHA Compliance Audits, Business Impact Analysis, Environmental Risk Assessments and More.
  • Claims Advocacy Services 


The HUB account team did a great job designing and placing our products containment policy which defended our company and provided a $1,300,000 payment to third party claimants-in addition to a $200,000 payment for our brand rehabilitation expenses." - HUB Food Processing Client

HUB has consistently provided excellent service through their commitment and determination to always deliver a top-notch performance. HUB's claims advocacy is the best example of the benefit of working with a broker-first-rate team service support from start to finish. We know with certainty that all of our insurance needs are covered.  - HUB Food Processing Client

Richard A. Babb

Richard Babb

Senior Vice President 
Senior Advisor, Commercial Risk

Rich Babb is a Senior Vice President on the Commercial Risk team. He joined HUB International in 1978 and has more than 35 years of experience in risk management and insurance services for larger, more complex commercial accounts. His particular focus is on Food, Hospitality, Manufacturing and Distribution industries. He serves as the Food Practice Leader for HUB International Midwest. Prior to joining HUB, Mr. Babb was with CNA and Hartford Steam Boiler Inspection and Insurance Company. He was awarded 2010 Power Broker: Risk & Insurance. Currently, he is a member of the Union League Club.


  • B.S., University of Illinois - Urbana/Champaign
  • M.B.A., DePaul University


  • Casualty; Fire