啤酒厂 insurance in the middle Tennessee area, including Nashville, TN and surrounding counties.
拥有一家酿酒厂可能会带来独特的风险. Specialty brewery insurance combines elements of liquor liability insurance, 财产保险与一般业务保险发展为一体, 简单的政策.
Getting adequate insurance for your brewery can feel like an overwhelming process, 但特殊政策可以减轻压力. The key is choosing an insurer that understands the specific needs and risks you face and then offers a complete, 定制的包. 你还需要记住一些容易被忽略的元素.
For example, as an alcohol producer, you need a liquor liability policy. This covers you against claims of damage caused by people who’ve consumed your brew. No matter how tenuous such claims may be, defending them can be a costly process.
Explore how having the right business insurance can protect your company from the unexpected.
如果顾客在你的店里吃得太多, you may be held responsible and liable for damages or injuries related to the patron’s intoxication.
Liquor liability insurance covers defense costs and damages to persons and property caused by intoxicated patrons. Training staff to recognize patrons who pose a liquor liability risk is a key risk control measure to consider.
如果有一批啤酒被污染了，或者以某种方式不适合饮用, 啤酒厂会损失很多, 包括额外材料的费用, 生产时间, 处理的产品, 以及收入的损失. 如果这批货能上架, 它会变得更加昂贵, 无论是直接收入还是品牌声誉.
投保损坏险, 污染, and product recall to help offset the costs associated with these events.
It’s estimated that three out of five businesses will be sued by their employees. 公司在招聘前的过程中是脆弱的, 实际就业, 在劳动力减少的时候. 索赔可能发生在任何规模的操作中. 你可以做正确的事，但仍然会被起诉.
保单以独立保单的形式提供. This coverage is critical to your risk management strategy as it protects against discrimination, 错误的终止, 性骚扰, 以及其他与就业有关的指控.
啤酒厂的设备出现故障的风险很高. 如果机器不工作，啤酒就不能酿造. 在维修过程中，你会损失宝贵的时间和利润.
Mechanical breakdown is typically not covered under a commercial property insurance policy. 相反，获得系统故障覆盖率可以解决这个问题.
委托您提供私人信息的客户或员工, 比如信用卡或社会安全号码, 把你置于危险之中. 如果该数据丢失, 偷来的, 或妥协, 在法律上，你可能有义务提醒那些受到破坏影响的人.
Securing a cyber liability policy can cover expenses associated with compliance requirements, 例如数据泄露通知, 确保法律顾问就事件反应提供建议, 信贷监控和记体育注册app, 公关费用, and paying for regulatory defense and penalties arising from privacy law violations.
不仅仅是石油公司要承担环境责任, 核电站, 以及工业开采作业. 啤酒厂有废水和废物管理的问题. Depending on the location of the brewery, previous use of property may also be an issue.
严格的责任法律适用于酿造行业. 法院下达的禁令、罚款和清理费用可能会造成严重后果. Almost all commercial liability policies contain some type of pollution exclusion. 通过一个独立的保险存在此风险的保险.
If open to the public, you are responsible for the well-being of visitors. 如果你提供啤酒厂之旅，这种风险会被放大.
考虑到客人可能面临的危险, it is important to keep tours confined to safe areas and preplanned routes. 一般责任保险承保人身伤害, 物理伤害, 其他与人身伤害相关的索赔.
工人赔偿范围是法律规定的. 人们对精酿啤酒的需求很大，但需求会导致匆忙. 匆忙导致事故, 事故导致受伤, 而工伤导致了工人赔偿成本的增加.
Promoting workplace safety and managing exposures can significantly reduce the frequency and severity of workplace injuries. Proactively addressing high risk scenarios helps control workers' compensation costs.
酿酒设备是一项重大的财务投资. 再加上高于平均水平的损失敞口, 在这里选择正确的报道是至关重要的.
Commercial property insurance will indemnify you for property damaged or destroyed due to a covered loss. Selecting an adequate limit of insurance that responds to as many perils as possible negates that risk.
Automobile exposures are significant, especially if you handle your own distribution.
Employees need to be trained and aware of the exposures associated with driving for the brewery. 业务 auto insurance provides coverage for damages arising out of the use of automobiles for business purposes. 船队安全计划是一项重要的风险管理策略.
As the brewing industry grows, supplies may become increasingly difficult or competitive to acquire. Making sure you have the adequate amount of Chinook hops for your spring seasonal can be the difference between having product to sell or not.
多元化的供应商, 与后备供应商保持对话, 监控资源环境, and negotiating forward contracts can prevent disruption in production. Insurance coverage for contingent business income can be also obtained.
啤酒厂在一年中经常参加许多活动. Many insurance policies contain what’s known as a designated premises endorsement. At a high level, this limits coverage to the premise named on the policy (the brewery). 参加精酿啤酒博览会或5公里趣味跑? 与此类事件相关的责任可能不包括在内.
Make sure you have coverage that extends to any events in which you wish to participate.
What do you do if one of your trusted employees is found guilty of doing something dishonest as it relates to his or her work with you?
犯罪 coverage can be obtained in your commercial property insurance policy, 但覆盖范围非常有限. 还考虑一个独立的策略.
保税啤酒厂未能适当纳税, the bond amount can be used to pay the owed taxes as well as any other fees that might accompany the unfulfilled payment.
啤酒商的保证金就是入场费. They are known by a number of names; alcohol tax bonds, 卖酒执照债券, ATF债券, 和TTB债券, 但它们都有相同的功能. Government agencies that regulate breweries require bonds to ensure all taxes are paid appropriately. A knowledgeable insurance provider can help you navigate the bonding process.
You must also make sure that your property insurance covers not just damage or destruction of equipment and stock, 还有利润损失, 特别是当你有一段时间没有行动的时候. It’s also worth exploring options for coverage against having to withdraw or recall stock if you discover a safety risk or potential 污染.
And don’t forget other general business insurance elements such as workers’ compensation, 员工对访客的索赔和责任.
For more details on how specialized insurance can protect your brewery, contact us today.
As an independent agency, we offer multiple options at competitive prices.