A tasting room and a wine club turn a winery into three businesses at once: a producer, a public hospitality venue, and a direct-to-consumer shipper, and each one carries its own risk. Two customer-facing operations, each with its own coverage needs, sit on top of the production side. This guide is organized around what those… [Read More]
Insurance Planning for Breweries With Barrel Aging Programs
A barrel aging program ties up months or years of a brewery’s most valuable beer in a single room full of high-proof, spirit-soaked wood, which changes both how much the brewery needs to insure and which risks it has to plan for. Two questions barrel aging changes: how much to insure, and against what. This… [Read More]
How Coffee Shops Can Prepare for Business Interruption Events
A fire, an equipment breakdown, or a power outage can close a coffee shop overnight, and business interruption coverage is what replaces the income the shop loses while it cannot operate. For cafes and coffee shops running on thin margins and daily cash flow, even a week without revenue creates real financial strain. This page… [Read More]
What Happens When Packaging Defects Affect Craft Beverage Products
When a can lets go on a shelf, a bottle sheds glass into the beer, or a label lists the wrong ABV, a craft beverage producer faces two costs at once: an injury claim and a recall. The name on the label owns both, even when a supplier caused the defect. This article walks through… [Read More]
Why Selling Price Valuation Matters for Craft Beverage Inventory
Craft beverage inventory valuation decides how much you recover when finished stock is lost, and standard property insurance often values that stock at cost, which leaves the profit margin and years of appreciation uninsured. Selling price valuation is the method that closes this gap, insuring finished stock at the price it would have sold for… [Read More]
Planning Insurance for Cafes With Outdoor Seating
Adding outdoor seating to a coffee shop, or cafe, changes the insurance it needs. A patio or sidewalk area adds liability for a larger space, exposes property to the weather, and often comes with permit and lease requirements that a counter-service space never faced. This blog covers four areas where outdoor seating changes your coverage:… [Read More]
How Wine Storage Decisions Can Affect Winery Insurance Needs
Where and how a winery stores its wine, from on-site tanks and barrel rooms to off-site warehouses and cased finished goods, changes the perils it faces and what its insurance has to cover. Four storage decisions shape your coverage requirements: where the wine is located, how it’s stored, how temperature-sensitive it is, and how much… [Read More]
How Breweries Can Manage Risk When Expanding Distribution
Expanding distribution puts more of a brewery’s beer in more accounts, through more partners, which widens its product liability, deepens its dependence on distributors, and adds the cost and risk of moving product to market. This page covers the risk-management and insurance side of that growth: three distribution models, each with its own risk profile,… [Read More]
Insurance Considerations for Beverage Businesses With Shared Production Space
When a beverage business produces in shared space, such as a custom crush winery, an alternating brewery proprietorship, or a co-packing arrangement, insurance follows the brand rather than the building, so the business whose name is on the label usually carries the product liability. Four common shared-space arrangements, custom crush, alternating proprietorship, contract brewing, and… [Read More]
Cyber Insurance in the Beverage Industry: Why It’s More Critical Than You Think
Craft beverage businesses do not typically think of themselves as cybercrime targets. No proprietary technology, no sensitive government contracts, no financial institution data. What is there to steal? Quite a bit, it turns out. Every taproom running a point-of-sale system, every winery with an online wine club, and every tasting room collecting customer emails for… [Read More]
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