When it comes to food and beverage insurance, there are a few common exclusions you should be aware of. Typically, policies won’t cover intentional acts, meaning if something is done on purpose to cause damage, that’s on you. Also, mold, fungus, bacteria, and pollution are often excluded. So, if your food gets contaminated by these, you might be out of luck unless you have specific coverage for those risks. Violations of food safety regulations can also be a tricky area, as some policies might not cover incidents arising from non-compliance.