Microbreweries, vineyards and cider houses

Civil liability coverage protects you from property damage or bodily injury that you may involuntarily cause to a third party or to one of your clients, anywhere your activities take place. As a result, this coverage is necessary in order to protect your business in the event of a lawsuit or claim attributable to your operations, your places of business or your operations. It is important to properly assess the chosen limit in relation to the actual risk because the consequences could be catastrophic for the survival of your company.

Adding the executive risks coverage, also known as “D&O”, allows your company’s directors and officers to be covered. These directors and officers carry the responsibility of acting in the best interest of the company. Whether you are the member of a board or run a company, you could be held personally liable of any wrongful act in the management of a company. This insurance also covers defence costs in the event of allegations or legal action brought against members of a board or business executives.

Since the building is covered under the basic insurance contract, immovable property is covered (namely the walls, floors and windows, but also the cupboards and counters of your company against fire, theft, vandalism and more).

By adding this coverage to your standard insurance policy will cover damage caused by water to your business.

Your two coverage options are:
– Sewer back-up endorsement: this insurance covers sewer back-up as well as sump pump leakage.
– Flood endorsement: you are covered in the event of a body of water overflowing onto the premises.

The goods and products that you produce, handle or distribute are also covered, or any goods and products that are in your name. This insurance also covers all input products acquired externally to run your farm business, such as malt, hops, yeast, small fruits, apples, grapes, etc.

By adding this coverage to your insurance contract, stock belonging to you and stored with a third party is protected in the event of theft or damage.

This addition to your standard insurance policy will cover stock that is, at any time, transported by a third party. Your products, whether they are in bottles, cans or barrels, will be protected in the event of theft or damage while being transported by land or sea, in transit, and during loading and unloading.

This insurance covers the damage resulting from the sudden or accidental breakdown of your equipment requiring repairs or replacement. This coverage also offers inspection services of your equipment.

Are insured:
– Pressurize equipment
– Electrical equipment
– Mechanical equipment
– Electronic equipment and loss of data

This insurance provides coverage for property damage or bodily injury that your product may involuntarily cause to a third party. As a result, this coverage is an affordable way to protect your business in the event of a lawsuit or claim attributable to your products.

In the event of contamination of your product, you may be required to quickly take them off the market. Product recall insurance covers the costs associated with this withdrawal, as well as those associated with rehabilitation of the product brand or the replacement of the product. You could also be indemnified in the event of an operating loss resulting in the decrease of your sales.

By adding this coverage to your insurance contract, your company will be protected in the event of accidental contamination to your products that have not yet hit the shelves. The cost for getting rid of the contaminated food, decontaminating the equipment and loss of income due to the shutdown would therefore be covered.

This insurance covers damage caused by pollution resulting from a sudden and accidental or continuous and gradual event, depending on the type of contract. As a result, your company will be protected in the event of pollution from the discharge, dispersal, release or escape of solid, liquid or gaseous substances in the atmosphere, in the water or in water lines, sewers or drainage systems. It can also include coverage against fines and penalties.

This insurance covers lost profits or expenses incurred in order to maintain the normal business operations in the event of a major peril. For example, rental of buildings or equipment as well as compensation for decreased income.

This coverage pays an indemnity in the event that a major peril would result in the loss of unsold stock. By adding this coverage, you will be compensated based on the market value of the lost produce, which is very advantageous since you will be reimbursed for the production cost of these produce as well as the profits that would have been gained.

This coverage protects you in the event that your suppliers suffers a serious loss, which puts them in the impossible position of supplying you with their products. Since these raw materials are needed for the production of your products, this will put you in a vulnerable situation. By adding this coverage to your farm insurance contract, you will be indemnified for operating losses resulting from this situation. Your loss of revenue will also be covered in the event that one of your main clients suffers a loss that would prevent him from buying your products, resulting in a significant loss of your revenue.

This insurance covers your liability in the event that you store stock in one of your buildings and they become lost or damaged. Thus, you will be protected if you are held liable for these losses and if there is a lawsuit from a third party or his insurer.

By adding this coverage to your commercial insurance contract, you will on one hand be protected from internal fraud, such as the theft of valuables, money or personal property by an employee. On the other hand, this insurance can be broadened to cover external fraud, such as signature forgery, misappropriation of funds and fake emails.

The majority of farm insurance policies can include a section for coverage of your property on your vineyard or orchard. By adding this coverage to your farm insurance contract, your dwelling and belongings overall will be protected. You will therefore be indemnified in the event of a fire, theft, vandalism or water damage.