In the late eighteen hundreds, there were more than 3,000 breweries in the United States, almost all of which were shut down during prohibition. The history of craft brewing in America has its roots in the late 1970s in North America. Starting a home brewery was a hobby, and it still is. A home mini brewery started a trend to establish a new tradition of home-brewed beer styles, such as Ales, Ambers, Lagers, Stouts, Darks, and Wheats. Some of these styles have a 7000-year history.
Today, the mini breweries or craft brewery have left the home garages and basements to enter the marketplace. Craft brewers have skyrocketed from eight in 1980 to over 6,000 in 2018, starting this new tradition of unique beer styles. As with any other product sold for public consumption, the Craft Brewery industry has had to cope with the business and potential health risks created by the mass production of beers. These are the same risks encountered by restaurants, bars, and grills in Houston and the Woodlands, TX area.
Common Craft Brewery risks include the brewery equipment tanks leaking or becoming damaged. Further, the equipment may fail to operate producing contaminated food-grade water, loss of the product, damages to the property of customers, or the customers themselves, possible risks due to drinking alcohol, all of which will cause substantial financial risks. Further risks include the loss of your key person, the Brewmaster as well as dealing with employee behavior, such as theft and injuries.
A Risk Management System should be developed which is designed for identifying common physical hazards, respond to a crisis, hiring practices, and workplace safety. The typical special insurance needs, other than state and federal requirements, will include General Liability, Distillers Bonds, Liquor Liability, Equipment Breakdown, Business Interruption, Spoilage & Contamination, Product Recall, Tank Leakage, and Workers Compensation.
The agents of Outdoor Insurance Services in The Woodlands, TX will design an insurance and Risk Management system specifically designed to meet your needs. Please call!