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What is craft brewery insurance?

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Today, more people are starting their own businesses, particularly craft breweries. Every business needs insurance to cover potential losses and protect its property and income. This includes breweries. Although commercial insurance is a wise thing to have, breweries have more risks involved. This means that they need something with more coverage than what regular business insurance would give. This is where craft brewery insurance comes in.

What is craft brewery insurance?

Craft brewery insurance has a lot of similarities to commercial insurance, but it also covers a lot more, such as brewery equipment, tank leaks, and much more. Here are some of the things brewery insurance can cover:

Business property coverage

Suppose something happens to your property, like a fire, natural disaster, or other types of damage. In that case, business property coverage will help pay for the damage to your property so that you can stay in business.

Tank coverage

Your product has to be stored somewhere. Most breweries store their product in tanks. If one of your tanks is damaged or leaking, your insurance can be used to replace the tank so that you lose the least amount of product possible.

General liability coverage

Suppose a customer or employee gets hurt or their belongings get damaged due to the fault of the business. In that case, general liability insurance can cover the costs of medical bills, lawsuits, or the replacement of their belongings.

Equipment breakdown coverage

The brewery equipment is not included in a typical business insurance policy. This is one of the reasons why brewery insurance is helpful to have. Brewery insurance helps cover the costs of equipment if the equipment breaks down.

Liquor liability coverage

Liquor liability coverage is a bit different from general liability. Any business that sells alcohol is required to carry liquor liability insurance. This covers property damage and bodily injury due to over-intoxicated customers.

Contact Us

If you are looking into opening a craft brewery and need brewery insurance, we would be happy to help you here at Outdoor Insurance Services in Houston, TX.

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What Type of Insurance Coverage Does a Bar or Pub Need?

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If you’re in the process of opening a bar or pub in Houston, TX, congratulations! You’ve taken the first step towards owning your own business. As you already know, there’s more to opening a business than just hanging a sign outside and waiting for customers to come in. Outdoor Insurance Services is here to answer your questions.

Liquor Liability Insurance

If you plan on serving alcohol at your bar or pub, then you need to have liquor liability insurance in place. This type of insurance protects you from lawsuits that may arise from incidents that occur on your premises. For example, if a patron gets into a fight at your bar and someone is injured or drinks too much and gets into an accident after leaving your establishment, you could be held liable. 

Property Insurance

Property insurance protects your business in the event of damage to your physical property due to fire, theft, vandalism, or other covered events. This type of coverage is important for any business owner. Still, it’s especially important for those in hospitality because your property will likely see more wear and tear than other businesses. 

Cancellation and Postponement Insurance

Cancellation and postponement insurance protects you from financial losses if you cancel or postpone an event for a covered reason, such as severe weather or illness. This coverage is important for any Houston, TX business that hosts events like weddings or corporate parties. 

As a new bar or pub owner, it’s important to ensure you have the proper insurance coverage before you open your doors for business. Contact Outdoor Insurance Services, and we’ll help you get the coverage you need to get going!

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Get the livestock protection you need with a Farm & Ranch policy

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Outdoor Insurance Services is proud to help the farmers and ranchers in the greater Houston, TX region with all of their insurance needs. If you want to learn more about the Farm & Ranch policies available in our area, give our office a call today. We look forward to working with you!

Protect your livestock with a Farm & Ranch policy

Owning and operating a ranch and running livestock can sometimes be challenging. There are a lot of factors that are outside the control of the rancher, such as weather and feed-related issues. If you want to protect your financial interests, no matter how challenging the year may be, having a Farm & Ranch policy can provide that coverage. 

Livestock often represents the largest investment of a ranch. Raising and harvesting cattle and other animals can take a lot of work and a high investment of time and money. It makes sense to protect those investments and hard work. If you aren’t familiar with this type of insurance, now is an excellent time to find out more.

An experienced, local agent who understands the ranching business is an effective resource for learning more about the available insurance policy options. Why not learn more about how a Farm & Ranch insurance policy can help protect your livelihood today? Our team is here to provide any information you may need while selecting your policy.

Find out more today!

If you own livestock in the Houston, TX area, you can count on the Outdoor Insurance Services team for all your Farm & Ranch insurance policy needs. Contact our office today to learn more by scheduling an appointment. See you soon!

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Do You Need Flood Insurance?

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No matter where you live, having flood insurance is a good idea. Many areas flood regularly, and many more areas flood infrequently. But, once is enough for an enormous amount of damage to a home. It would help if you had flood insurance when you want to protect your home against all its risks. When you need flood insurance protection, call us at Outdoor Insurance Services in Houston, TX to find out more. 

Home Insurance and Flooding

Flooding can happen for several reasons, many of which are not covered by home insurance. Many assume their home insurance policy will pay for any damages after a flood, but this isn’t the case. To protect your home against floods, you must have a flood policy. Floods can cause enormous damage to a home, so it’s never a good idea to be unprotected in case one should happen. 

Backing for Flood Insurance

When looking for flood insurance, there is just one sponsor and backer of this coverage. The government backs it through the National Flood Insurance Program. This also means that the price of this insurance is always the same from any insurance agency you buy it through. The NFIP has recommended that all homeowners have this insurance to protect their homes against floods, not just if they live in a flood zone. About one in five flood claims that are reported come from areas that are not in designated flood areas. 

Get Your Flood Policy

When you want the best protection, you can get for your home, that includes getting flood insurance. Call us at Outdoor Insurance Services in Houston, TX to get started.

     

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RV Power Outlets and RV Park Insurance

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RV owners in Houston, TX, are eager to get away from town and have fun in nature. Most visit an RV park at least three times annually. A considerable margin of RV owners prefers private campgrounds for camping. RV park and campground owners are at complex risks from the environment, visitors, or employees. Protecting your RV park, campsite, and amenities requires a critical risk-management strategy. Among the extras on RV Park are RV Power Outlets that need to be protected against unforeseen occurrences.

Outdoor Insurance Services is trusted by many business owners and entrepreneurs in Houston, TX with insurance packages to mitigate against losses accrued to their unique requirements. RV park insurance is accustomed to protecting against costs related to damage to property due to bad weather or any bodily injury and property damage on business premises. For example, visitors to the RV power outlets get injured or property damaged.

A comprehensive policy package for RV power outlets, as well as RV parks in general, may include:

  • Insurance against commercial crime– protection against theft by workers. Fraud or forgery, robbery, and all losses from fraudulent deeds.
  • Commercial general liability– daily risks that may occur in the presence of third parties, such as property damage and bodily injury. This offers protection against medical fees or legal expenses resulting from a lawsuit.
  • Mitigation against product liability– this covers liabilities associated with third-party bodily injury or property damage resulting from products you produce, sell, distribute or rent.
  • Equipment breakdown liability– This covers replacing or repairing professional tools and equipment on site, such as RV power outlets that get damaged or broken due to electric or mechanical issues. However, external causes such as floods or fires are not mitigated.
  • Insurance against Cyber liability– Customer personal or financial data in your system must be protected. This cover mitigates risks related to electronic issues, such as cyber-attacks on stored customer files.
  • Commercial property insurance– This protects your company and its contents against perils you may not have control over, like theft, flood, or fire. It may also protect your establishment against employee wages, overhead costs, and loss due to the temporary closure of your business.

Several factors, such as; business size, location, type of business, and amenities available, affect the cost of RV park insurance cover. The type of covers one needs and their limits also affect how much you might need to pay for protection. Reach us or visit our office at Outdoor Insurance Services for more information and lifesaving covers in Houston, TX, which will leave you and your business risk-free.

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How Can I Help My Community Recover After A Hurricane?

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Natural disasters can have a devastating effect on communities. When a hurricane or other major storms hit, the damage can be extensive, and it can take months or even years for the community to recover. If you want to help your community recover after a natural disaster, there are several things you can do. In this blog post, we’ll discuss ways you can help your community rebuild after a hurricane or storm.

1. Donate Money to Relief Efforts

One of the best ways you can help your community recover from a natural disaster is donating money to relief efforts. Many organizations assist communities after a major storm; your donation can help them provide much-needed resources.

2. Volunteer Your Time

Another great way to help your community recover after a natural disaster is by volunteering your time. Many organizations need volunteers to help clean up and rebuild; your time can make a big difference.

3. Donate Supplies

If you have any supplies that could be used to help with the recovery effort, such as food, water, or clothing, consider donating them to a local organization. Many organizations need supplies after a major storm; your donation can help them get the necessary resources.

4. Spread the Word

If you know of any resources that could be helpful to those affected by a natural disaster, share them with your friends and family. Many people need assistance after a major storm, and spreading the word about available resources can help them get the help they need.

Conclusion

If you want to help your community recover after a natural disaster, there are several things you can do. You can make a big difference in the recovery effort by donating money, volunteering your time, or donating supplies.

You can help those who need them most by spreading the word about available resources. So if you’re looking for ways to help your community recover, consider one of these options. Outdoor Insurance Services in Houston, TX is here to help you.

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How Can I Help My Community Recover After A Hurricane?

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Natural disasters can have a devastating effect on communities. When a hurricane or other major storms hit, the damage can be extensive, and it can take months or even years for the community to recover. If you want to help your community recover after a natural disaster, there are several things you can do. In this blog post, we’ll discuss ways you can help your community rebuild after a hurricane or storm.

1. Donate Money to Relief Efforts

One of the best ways you can help your community recover from a natural disaster is donating money to relief efforts. Many organizations assist communities after a major storm; your donation can help them provide much-needed resources.

2. Volunteer Your Time

Another great way to help your community recover after a natural disaster is by volunteering your time. Many organizations need volunteers to help clean up and rebuild; your time can make a big difference.

3. Donate Supplies

If you have any supplies that could be used to help with the recovery effort, such as food, water, or clothing, consider donating them to a local organization. Many organizations need supplies after a major storm; your donation can help them get the necessary resources.

4. Spread the Word

If you know of any resources that could be helpful to those affected by a natural disaster, share them with your friends and family. Many people need assistance after a major storm, and spreading the word about available resources can help them get the help they need.

Conclusion

If you want to help your community recover after a natural disaster, there are several things you can do. You can make a big difference in the recovery effort by donating money, volunteering your time, or donating supplies.

You can help those who need them most by spreading the word about available resources. So if you’re looking for ways to help your community recover, consider one of these options. Outdoor Insurance Services in Houston, TX is here to help you.

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Introduction to Builder’s Risk Insurance

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When you decide to renovate or remodel your home, you may find that you need added insurance even though the construction crew you hire carries its own insurance. Outdoor Insurance Services serving the Houston, TX metropolitan area offers the insurance you need to protect yourself and your home while it remains under construction or renovation.

Builder’s Risk Insurance Protects You

Your builder carries their liability policy and a workers’ compensation policy, which only protects their business. If a worker or the construction company owner becomes injured on your work site – in your home – they could also sue you. Builder’s risk insurance protects your financial security by covering the liability of having construction workers in your home.

Here’s why you both need insurance to protect the added liability created during construction projects. Your home insurance policy only provides a tiny bit of liability coverage – typically 10 to 25 percent of the home’s value. Suppose a construction worker incurred an injury while working on your home. In that case, they could double-dip on liability by filing a claim with both your insurance company and the construction company’s company. That would cost you if their injuries’ treatment exceeded the payout of your liability coverage. Without the builder’s risk insurance, the rest would come out of your pocket.

Builders Buy Builder’s Risk, Too

You might think that sounds redundant, but when a builder undertakes a project to construct a home on speculation, meaning they’re building it to see who will buy it, they assume all of the risks. In this case, the builder’s risk policy protects their investment and comprises part of their commercial insurance package. The builder also carries workers’ comp and general liability. The construction company adds a builder’s risk policy to its package for added protection.

Contact Us

Don’t get caught without the right insurance coverage. Contact Outdoor Insurance Services serving Houston, TX to obtain a builder’s risk insurance policy that protects your home while under construction or renovation.

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What to do After an Accident: A Step-by-Step Guide

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If you’ve ever been in a car accident, you know that it’s a traumatic experience. Not only is there the potential for physical injury, but the emotional aftermath can be just as bad, if not worse. What do you do after an accident? Here is a step-by-step guide to help you through the process.

1. Check for Injuries

The first thing you should do after an accident is to check for injuries. If anyone is seriously injured, call 911 immediately. If the injuries are not life-threatening, you can still seek medical attention as soon as possible. It’s important to get checked out by a doctor, even if you don’t think you’re hurt. Sometimes, injuries don’t manifest themselves immediately but can show up days or weeks later.

2. Preserve Evidence

Once you’ve ensured that everyone is okay, the next step is to preserve evidence. If you have a camera handy, take photos of the damage to both vehicles. Be sure to get pictures of the license plates as well. It’s also good to exchange insurance information with the other driver. If there are any witnesses, get their contact information as well.

3. Call Your Insurance Company

After you’ve gathered evidence and exchanged information with the other driver, the next step is to call your insurance company. They will likely want to take a statement from you about what happened. Be sure to give them all the relevant information, but don’t speculate about who was at fault. That will be up to them to determine. Remember, they will likely have a claims adjuster who will come out to assess the damage and make a determination.

Get Auto Insurance in Houston, TX

After an accident, it’s important to take some time to process what happened and gather evidence. You should also call your insurance company as soon as possible to start the claims process. Outdoor Insurance Services in Houston, TX is here to help you through this difficult time. We offer various insurance services to meet your needs, so give us a call today.

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Yes, hunters can get insurance protection

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Outdoor Insurance Services is here to protect the sportsmen in our area with insurance designed for their unique needs and requirements. If you are a hunter or landowner in the greater Houston, TX metro area, give us a call today. We can help you protect yourself from liability during hunting season.

Why hunting insurance is such a good idea

Hunting is a pastime that does carry some risks. Because participants are armed, there is always a chance that someone could be injured due to a mistake or mishap. The same is also true when it comes to property damage. There is a lot that could go wrong, so it only makes sense to protect yourself and your family’s financial interests. 

And, if you lease your land out to hunters, having them sign waivers may not be sufficient. In some cases, having a waiver may not protect you and your assets from liability if someone is injured or killed on your property. With the availability of hunting insurance, it makes sense to have this protection in place before hunting season!

Hunters and landowners can significantly benefit from having hunting insurance in place. If you want to find out more about the available options in our area, now is a great time to reach out. Our team is here to help you enjoy hunting while minimizing your risk of personal liability.

Want to find out more? Give us a call today.

Hunting enthusiasts in the greater Houston, TX area can rely on Outdoor Insurance Services for their insurance protection needs. Please find out more about how to protect your assets from liability by giving us a call today. We look forward to seeing you soon!

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