啤酒厂保险

If a patron is over-served at your establishment, 你可能要对顾客醉酒造成的损害或伤害负责.

酒责任保险包括辩护费用以及醉酒顾客对人身和财产造成的损害. 训练员工识别对顾客构成酒类责任风险的人，是一项需要考虑的主要风险控制措施.

If a batch of beer is contaminated or in some way unfit to serve, breweries have much to lose, including the cost of additional materials, 生产时间, disposal of product, and loss of revenue. If the batch makes it to store shelves, it becomes even more costly, both in direct revenue and brand reputation.

Seek coverage for spoilage, 污染, 以及产品召回来帮助抵消与这些事件相关的成本.

据估计，五分之三的企业将被其员工起诉. Companies are vulnerable during the pre-hire process, 实际就业, and during a reduction in workforce. Claims can arise in any size operation. You can do everything right and still be sued.

Coverage comes in the form of a standalone policy. 这种保险对您的风险管理策略至关重要，因为它可以防止歧视, wrongful termination, 性骚扰, and other employment-related allegations.

There is a high risk of equipment breakdown in the brewery business. When machines don’t work, beer can’t be brewed. You lose valuable time and profits while repairs are being made.

机械故障通常不包括在商业财产保险政策中. Rather, obtaining systems breakdown coverage addresses this exposure.

Customers or employees who entrust you with private information, such as credit card or social security numbers, 把你置于危险之中. If this data is lost, 偷来的, 或妥协, you may be legally obligated to alert those affected by the breach.

确保网络责任政策可以覆盖与合规要求相关的费用, such as data breach notification, securing legal counsel to advise on incident response, credit monitoring services, public relations expenses, 以及支付因违反隐私法而产生的监管辩护和处罚.

Environmental liability exposures are not just for oil companies, nuclear power plants, and industrial mining operations. Breweries have wastewater and waste management concerns. 根据酿酒厂的位置，以前的财产使用也可能是一个问题.

Strict liability laws apply to the brewing industry. Court-ordered injunctions, fines, and cleanup costs can be crippling. 几乎所有的商业责任保险单都包含某些类型的污染排除条款. Coverage exists for this exposure through a standalone policy.

如果对公众开放，你要对游客的福祉负责. This exposure is amplified if you offer brewery tours.

Given the possible hazards guests can be exposed to, 重要的是要把旅行限制在安全区域和预先规划的路线上. General liability insurance provides coverage for bodily injury, 物理伤害, or other personal injury related claims.

Workers' compensation coverage is required by law. There is high demand for craft beer, but demand can lead to haste. Haste leads to accidents, accidents lead to injuries, and injuries lead to increased workers' compensation costs.

促进工作场所安全和管理接触可显著减少工作场所伤害的频率和严重程度. 积极应对高风险场景有助于控制工人的补偿成本.

Brewing equipment is a significant financial investment. Couple that with an above-average exposure to loss, and selecting the correct coverage here is critical.

商业财产保险将赔偿您的财产损坏或破坏，由于覆盖的损失. 选择一个足够的保险限额，以应对尽可能多的风险，消除这种风险.

汽车曝光度是很重要的，尤其是当你自己处理发行时.

员工需要接受培训，并意识到与啤酒厂驾驶相关的风险. 营业汽车保险承保因使用汽车作商业用途而引起的损失. A fleet safety program is a critical risk management strategy.

随着酿造业的发展，供应可能会变得越来越困难或竞争越来越激烈. 确保你有足够的数量的奇努克啤酒花在你的春季可以区别是否有产品出售.

Diversifying suppliers, maintaining dialogue with back-up suppliers, monitoring the resource environment, 谈判远期合同可以防止生产中断. 也可以为或有业务收入投保.

Breweries often participate in numerous events throughout the year. 许多保单包含了所谓的“指定前提背书”. 在较高的级别上，这将覆盖范围限制在保单(酿酒厂)上命名的前提上。. Participating in Craft Beer Expo or 5k Fun Run? Liability associated with events like those may not be covered.

确保你的保险覆盖到任何你想参加的活动.

如果你信任的员工被发现在与你的工作中做了不诚实的事情，你该怎么办?

在你的商业财产保险政策中可以获得犯罪保险, but coverage is very limited. Consider a standalone policy as well.

If a bonded brewery fails to pay taxes appropriately, 债券金额可以用来支付拖欠的税款以及任何其他费用，可能伴随未完成的支付.

The brewer's bond is the cost of admission. They are known by a number of names; alcohol tax bonds, liquor license bonds, ATF债券, 和TTB债券, but they all perform the same function. 监管啤酒厂的政府机构要求发行债券，以确保所有税收都得到适当支付. 一个知识渊博的保险公司可以帮助你找到保险公司.