Craft Beverage Insurance

The craft beverage industry includes small-batch manufacturing of…
 

  • Beer – up to 150,000 gallons a year
  • Ale – up to 150,000 gallons a year
  • Malt Liquor – up to 150,000 gallons a year
  • Wine – up to 150,000 gallons a year
  • Mead – up to 150,000 gallons a year
  • Cider – up to 150,000 gallons a year
  • Liquor – up to 20,000 gallons a year

From production, packaging and distribution to tasting rooms and tours, we have the insurance you need to protect against potential business interruptions including:

  • General Liability
  • Property
  • Business Auto
  • Umbrella Liability
  • Workers Compensation
  • Liability
  • Liquor Liability
  • Special Events
  • Bonds – including Surety Tax Bonds

 

Brew, Wine and Distill Pak Program Highlights

Property:

  • Adulteration or Contamination – included
  • Brands and Labels – included
  • Business Income/Extra Expense – $25,000 (includes processing water after covered loss)
  • Contract Cancellation – $25,000
  • Product Sample Protection – $10,000
  • Trellises or Unharvested Crops – $25,000
  • Valuation – Market Value for brewery, wine, and/or distillery stock
  • Vessel Collapse – included
  • Vessel Leakage – $50,000
  • Cost of excavations, grading, backfilling or filling – included
  • Foundations – included
  • Underground pipes, flues or drains – included
  • Harvest crops – included 

Liability:

  • Liquor Liability
  • Special Events
  • Employment Practices Liability Insurance (EPLI)
  • Employee Benefits Liability
  • CyberOne
    • Insures for events that damage or degrade insured’s data and systems
    • Pays defense and liability costs for an insured’s systems security failure, including the breach of third party business information
  • Data Compromise
    • Insures data breach, theft, or unauthorized disclosure of personal information
    • Helps insured to be compliant with breach notification laws and requirements
    • Offers services to affected individuals such as credit monitorings
    • Pays defense and liability costs for actions brought by affected individuals as a result of a breach of personal information
  • TechAdvantage Equipment Breakdown
    • Microelectronics Coverage – when physical damage isn’t detectable but equipment suddenly stops functioning
    • Cloud Computing Service Interruption – waiting period, sublimit and deductible apply
    • Service Interruption Data Restoration – waiting period, sublimit apply
    • Off Premises – Property Damage, Business Income, Extra Expense & Data Restoration Coverage
    • Public Relations Coverage – applies if loss of business income (Sublimit – $5,000)
  • Fine Arts
  • Electronic Data Processing Equipment
  • Water Back Up – up to $250,000 limits available per location per policy

Plus Pak Endorsement Available for Property:

  • Accounts Receivable – $250,000
  • Attached Outdoor Signs – included
  • Change in Temperature or Humidity – $50,000
  • Debris Removal – $50,000
  • Detached Outdoor Signs – $10,000
  • Electronic Data Processing Equipment & Software – $25,000
  • Employee Theft – $5,000
  • Extra Expense – $25,000
  • Fine Arts – $25,000
  • Fire Department Service Charge – $250,000
  • Fire Extinguisher System Recharge Expense – no dollar limitation
  • Forgery or Alteration – $5,000
  • Lock Replacement – $2,500
  • Money and Securities – $5,000
  • Newly Acquired or Constructed Property – up to $1,000,000 building / up to $500,000 personal property (30 days)
  • Off-Premises Utility Failure – Water supply, communication supply, or power excluding overhead lines
  • Ordinance or Law
  • Outdoor Fences – included
  • Outdoor Property – $10,000 ($500 limit per tree, shrub or plant
  • Peak Season – 80% coinsurance required (increased to 50%)
  • Personal Effects – $25,000
  • Property of Others – $25,000
  • Pollutant Clean Up and Removals – $25,000
  • Portable Tools – $25,000 ($5,000 limit to you or any employee)
  • Premises Boundary – 1,000 feet
  • Property at Fairs or On Exhibition – $50,000
  • Property in Transit in or on a Vehicle Owned, Leased or Rented by Insured – $25,000
  • Property in Custody of Sales Representative – $25,000
  • Property Off Premises – $100,000 (up to 90 days)
  • Rewards – $25,000
  • Spoilage – $10,000
  • Valuable Papers and Records (other than electronic data) – $250,000

Plus Pak Endorsement Available for Liability:

  • Broadened Supplementary Payments – $1,000 bail bonds; $300/day other expenses
  • Building Owner as Additional Insured – may be added at no charge
  • Damage to Premises Rented to You – $300,000
  • Extended Non-owned Watercraft – up to 51 feet
  • Stop Gap Liability
  • Voluntary Property Damage – $2,500
  • Bodily Injury Redefined – includes mental anguish
  • Liberalization Clause – included

Affordable Insurance Coverage

Our specialty business insurance coverage offers convenient, no interest payment options with flexible payment terms. So it’s easier to manage your bottom line.

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Annual
  • Semi-annual
  • Quarterly
  • Down payment plus 9 equal payments (10 payments)
  • Monthly (12 payments)

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer—$1 fee per installment
  • Online or by phone—$7 fee per installment
  • Charge to credit card—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package. Call or email Kevin Morency today and receive a quick turnaround on your quote. Note: Some payment options may not be available in all states.


Morency & Associates, Inc.
1194 Long Hollow Pike
Gallatin, TN 37066

615-452-4532       (Office)
877-244-9090  (Toll-Free)
630-240-4299     (Mobile)
615-452-6580           (Fax)
Kevin Morency      (Email)
Rebecca Morency (Email)

areas served

Please call (615-452-4532) or email Kevin Morency or Rebecca Morency if you have any questions or to set up an appointment for a free comprehensive review of your insurance. By taking the time to discuss your needs, they can tailor an affordable business insurance solution that provides the coverages you need to protect your business.