California has a few
laws that all brewers must follow when it comes to insurance. These regulations are designed to ensure that microbrewers are able to cover any potential liabilities and damages resulting from their operations.
Besides legal requirements, brewers should have adequate insurance coverage to protect their businesses. The types of insurance needed can vary depending on the size and complexity of the brewery's operations.
At Brighton Financial and Insurance Services (BFIS), we take immense pride in supplying California's microbrewers with the necessary insurance coverage to protect their business. Our
business insurance policies are comprehensive, covering all facets of your brewery operations so that you always feel safe and secure.
Our team of experts can help assess your business needs and provide the right insurance coverage for your microbrewery. We offer a variety of coverage options to fit your budget and provide the protection you need.
Fill out our form today to learn more about how BFIS can help you obtain the necessary insurance coverage for your microbrewery. We look forward to hearing from you and helping you keep your business safe!
TAt BFIS, we specialize in providing microbrewery insurance to California's brewers. Our policies are comprehensive and can be customized to fit the specific needs of any business. From public liability to product liability insurance, we have you covered so that you can focus on what really matters - brewing the best beer.
General Liability Insurance for Microbrewers in California
Brewing can be risky, with the potential for equipment malfunction, product spoilage, customer injury, or property damage. To safeguard your brewing venture against these and other unexpected liabilities, it is essential that you have a comprehensive
general liability insurance policy in place. Doing so will help protect your business from unanticipated controversy and financial ramifications resulting from lawsuits or claims.
Common dangers face any business, and general liability insurance - commercial general or business liability insurance - protects your company against them. These risks include:
Bodily injury: In the event of a customer slipping or falling on your brewery premises, ingesting contaminated beer and becoming ill – as well as any other unfortunate incident that may lead to legal action - general liability insurance will offer comprehensive coverage for all associated defense costs and settlement payments.
Property damage: If you mistakenly cause harm to someone else's property while shipping your beer, or if a fire erupts in your brewery and damages an adjacent structure, then it is possible that you could be responsible for the required repairs or replacements. Luckily, general liability insurance can help protect against such expensive expenditures.
Personal and advertising injury: If you make any slanderous or inaccurate statements about a competitor's beer, or utilize another company's logo without their authorization, then you can be held liable for legal action. Fortunately, with general liability insurance in place, it will protect your business from costly legal fees and damages that may arise.
Although California law does not mandate general liability insurance, a number of stakeholders—landlords, distributors, retailers and event organizers—oftentimes require it. More importantly though, microbrewers should strongly consider acquiring this form of coverage to protect their business and professional standing.
Product Liability Insurance for California Microbrewers
For microbrewers, product liability insurance is essential coverage. It protects you from financial losses that could occur due to product defects or injuries caused by the ingestion of your beer. Product liability insurance will cover claims related to injury, illness, or death resulting from consuming your product.
This type of coverage is especially important if you are selling or shipping your beer across the country. It can help cover any legal defense costs that arise from suits filed against you in different jurisdictions. In addition, it can provide cover for damages and settlements resulting from such litigation.
Liquor Liability Insurance for California Microbrewers
If your microbrewery serves alcohol on-site, liquor liability insurance is necessary. It can protect you from costly legal expenses and damages resulting from third-party claims due to the sale or service of alcohol.
Whether you are hosting a beer-tasting event, running a bar in the brewery, or providing drinks to customers for consumption on-site, it is important to acquire liquor liability insurance.
This type of coverage will defend you against lawsuits related to drunk driving, underage drinking, and other related claims. With liquor liability insurance in place, you can rest assured that your microbrewery is protected from legal consequences and costs associated with these risks.
Worker’s Compensation Insurance
California law requires employers to carry worker's compensation insurance for their employees. This type of coverage provides protection should an employee become injured or ill due to a job-related incident.
It is important for microbrewers to acquire worker's compensation insurance as their employees are often exposed to hazardous conditions, such as handling chemicals, dealing with heavy equipment and working in extreme temperatures.
If an employee becomes injured or ill, this coverage can provide peace of mind that they will receive the necessary medical treatment while protecting you from costly legal fees and damages.
Business Interruption Insurance
Business interruption insurance is an important form of coverage for microbrewers. It provides protection against financial losses due to circumstances beyond your control, such as a natural disaster or other unforeseen events.
For example, if a fire were to break out in your brewery and you had to close your business temporarily, this coverage can help cover lost income while you repair the damage.
Business interruption insurance can also cover any additional expenses you incur while your business is closed, such as payroll and rent. With this type of coverage in place, you can resume operating faster and with less financial risk.
Employment Practices Liability Insurance
Employment practices liability insurance (EPLI) is becoming increasingly important for California microbrewers. This form of coverage provides protection against claims related to discrimination, wrongful termination, and other employment-related issues.
EPLI can help cover legal expenses associated with defending your business against such claims. This type of coverage is essential for protecting your financial health and the reputation of your microbrewery.
By acquiring EPLI, you can rest assured that your business is protected from potential legal risks.
Commercial Auto Insurance
If your microbrewery owns or leases vehicles for business purposes, you are required to carry a
minimum of $15,000 of commercial coverage for each vehicle. This coverage can be used to cover damages resulting from an accident or other liabilities related to the use of your vehicle.
It is important to note that this type of coverage is different than the personal auto insurance you may already have. Commercial auto insurance provides additional protection for business-related activities, such as transporting goods to and from your brewery.
By acquiring this type of coverage, you can rest assured that your business is insured against potential financial losses related to vehicle-related incidents.
Cyber Liability Insurance
As more transactions are conducted online, the need for cyber liability insurance is becoming increasingly important. This form of coverage provides protection from data breaches and other cyber-related risks.
As a microbrewery, this type of coverage can be used to cover any expenses associated with a data breach, such as notifying customers and paying for credit monitoring services.
Acquiring cyber liability insurance if you store any customer data online is essential, as this coverage can help protect you from costly damages and legal fees.
Excess Liability Insurance
Excess liability insurance is another type of coverage that can be beneficial for microbrewers. This form of coverage provides additional protection for your business beyond the limits of your other policies.
For example, if you are found liable for an incident that exceeds the limit of your general liability insurance policy, excess liability insurance can help cover the additional costs.
Excess liability coverage is an important form of protection for microbrewers and can help protect you from financial losses due to accidents, lawsuits, and other unforeseen events.
