White Pine Brewery Insurance Brochure
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TAP INTO QUALITY
COVERAGE FOR CRAFT BREWERIES AND BREWPUBS
The Hartford Brews Up Specialized Insurance Protection
Since colonial times, America's craft brewers and brewpubs have held their position as one of the earliest forms of independent business. So it seems fitting that The Hartford, one of the country's oldest and most solid insurance leaders, should partner with Whalen Insurance, an acknowledged expert in the craft brewery industry, to offer an insurance program with what may be the most comprehensive set of coverages available to the microbrewery industry today.
According to the Brewers Association, craft beer accounted for four percent of the U.S. beer market in 2008, which offers a great marketing opportunity. "Craft brewing" is usually associated with independent local or regional breweries that produce small batches of specialty and traditional beers. Their unique flavors and packaging set these beers apart from the mass-produced products from the brewing giants. The Hartford's Craft Brewery program has been specifically designed for breweries and brewpubs that make their own beer – but may also have both restaurant and manufacturing operations. Not only does the Craft Brewery program address all the property, general liability, commercial auto and workers' compensation (WC) exposures which craft brewers face, but it also includes coverages that meet the specialized needs of this niche market.
Based on industry expertise, the program offers solutions for unique loss exposures. For example, in the case of a brewer's equipment breakdown, the program's equipment breakdown form doesn't end the business interruption benefits when the machinery is repaired, but only when the account's product is back on the market. Considering the length of time required by the brewing process, this continuing coverage could be crucial in helping an account stay in business. In addition, many other policies may not recognize a brewpub's additional exposure created by manufacturing beer. The Craft Brewery program automatically includes Liquor Liability coverage for microbreweries and brewpubs.
This program includes coverage solutions of The Hartford's Property Choice®, GL Choice®, commercial auto and WC coverages. In addition to the important equipment breakdown coverage mentioned above, Property Choice automatically.
CAPTIVE & SPECIALTY PROGRAMS
Craft Brewery Administered Program Agent Guide includes several other specialized coverages, such as:
• Spoilage resulting from equipment breakdown
Specialized endorsements to Property Choice and General Liability Choice include coverage for:
• Crime – employee dishonesty, money/securities
The Hartford's WC Broad Form used in this program contains coverage features such as extended cancellation notification.
Tap into the Market with Eligible Accounts
If you'd like to tap into this opportunity, qualify your prospects with the following eligibility guidelines. Accounts must:
• Brew their own beer
The Companies Behind the Program
The Hartford is an insurance leader with a strong reputation for quality, strength and stability and offers a perfect solution for the complex exposures for the craft brewery industry. In addition, The Hartford is the nation's fifth largest workers' compensation provider and has offered workers' compensation coverage for more than 95 years. Since 1810, The Hartford has been trusted to deliver on its promises to pay claims.
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