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Here are just some of the policy features we can arrange for your brewery or micro brewery;
Public liability covers you should you be faced with a claim from a member of the public. For example, if you conduct tours around your brewery and a member of the tour injures themselves due to your fault, public liability cover will reimburse your business for legal expenses and the cost of the compensation itself.
We can easily include goods in transit cover within the UK. Equally, If your beer/bier/cerveza is going down well in Europe, we can extend cover to include transit within EU countries. If you plan on sending your beer even further, we can look at including this too.
As a micro brewery, your equipment and recipe is key to your success. Our brewery insurance covers businesses large and small against loss of equipment and stock through theft or accidental damage. We can also cover your continuing fixed costs if you’re unable to keep trading following a loss. If you’re planning to expand please pick up the phone and let us know how. We’ll be able to cover you for some aspects of your business regardless but we’ll need to know about additions to your sums insured to keep you covered appropriately.
We hope it doesn’t happen that often (or at all!) but if you need to recall a batch of your product, we can cover the loss incurred by having to recover your products. This includes lost stock and loss incurred from the logistics involved in getting your products back/disposed of. In this instance, we can only cover what you tell us you produce. So, if you start making a new product, be sure to update your cover.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
If and when it comes to the crunch and you need to make a claim, we have an in-house team who work hard to understand all the details of your claim then get these to the insurer to get your claim resolved as quickly as possible.
If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.
Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.
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The great British pub has been the centre of our communities for centuries. As providers of specialist pub insurance and restaurant insurance we have come up with the following interesting facts:
We don’t limit the number of staff our brewery insurance includes. Just make sure you tell us how many you employ and your annual wage roll when you set up your policy. Keep us informed as your business grows and we’ll grow your policy with it.
Yes we can. As long as the pub is a subsidiary of your brewing company.
Yes we can. Some insurers are quite restrictive in terms of the type of structure they’ll cover. We however, can cover almost any premises type from craft breweries to large mass producing units.
There is a possibility that your cover will be ineffective if you do not meet the relevant health and safety requirements. If you employ five people or less the law requires you to have fewer practices in place however, if you employ six or more people you will have to conduct risk assessments and you could face a fine if you do not have these in place. If you’re uncertain as to what’s required of your business, please visit www.hse.gov.uk
As the system measures an insurer’s financial situation, allowing you to predict their ability to meet ongoing policy obligations, it is an important factor.
Also, there are a number of main contractors that will not sub-contract works to any companies not insured with an insurer with a minimum of an A-financial rating (as determined by established ratings companies).
If you have any concerns about whether this may affect your business or have any questions around the rating of an insurer speak with one of our advisors.