啤酒厂保险

Serving up the perfect insurance protection.

在田纳西中部地区的啤酒厂保险,包括纳什维尔,TN和周围的县.

Owning a brewery can present unique risks. 特色酿酒厂保险结合了酒责任保险的要素, property insurance and general business insurance to develop one, 简单的政策.

为你的啤酒厂获得足够的保险可能感觉像一个压倒性的过程, but a specialty policy can take the stress out of the situation. 关键是选择一家了解你所面临的具体需求和风险的保险公司,然后提供完整的保险, customized package. You also need to remember some elements that are easy to overlook.

例如,作为一个酒精生产商,你需要一份酒精责任保险单. 这可以赔偿那些喝了你的啤酒的人所造成的损失. 无论这些主张多么站不住脚,为它们辩护可能是一个代价高昂的过程.

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探索如何拥有正确的皇冠线上买球可以保护你的公司免受意外.

啤酒厂
酒责任
风险因素

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.

解决方案

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.

Spoilage, Contamination, and Product Recall
风险因素

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.

解决方案

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.

Employment Practices Liability Insurance (EPLI)
风险因素

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.

解决方案

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.

设备故障
风险因素

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.

解决方案

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.

网络责任
风险因素

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.

解决方案

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
风险因素

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.

解决方案

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.

Premises Liability
风险因素

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.

解决方案

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
风险因素

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.

解决方案

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.

财产
风险因素

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

解决方案

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.

业务 汽车保险
风险因素

汽车曝光度是很重要的,尤其是当你自己处理发行时.

解决方案

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.

供应链
风险因素

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.

解决方案

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.

特别活动
风险因素

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.

解决方案

确保你的保险覆盖到任何你想参加的活动.

犯罪
风险因素

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?

解决方案

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.

债券
风险因素

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.

解决方案

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.

你还必须确保你的财产保险不仅包括设备和库存的损坏或破坏, but also any lost profits, particularly if you’re out of action for a while. 如果你发现了安全风险或潜在的污染,也值得探索各种保险方案,以避免不得不撤回或召回库存.

不要忘记其他一般的皇冠线上买球因素,如工人补偿, employee claims and liability for visitors to your premises.

有关专业保险如何保护您的啤酒厂的详细信息,请今天皇冠线上充值.

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