Breweries, Wineries & Distilleries

Wineries Insurance: FAQs

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If you are opening a winery or establishing a vineyard, winery insurance is probably not the first thing you consider. However, it would be best if you understood that your new business is associated with diverse risks, including wildfires, theft, vandalism, and even injuries. Therefore, to protect it and yourself as a business owner, it is wise to consider getting winery insurance. Keep on reading this post with answers to the most common questions about this insurance type: 

Who Is Winery Insurance Right For?

You should consider purchasing winery insurance if you are a vineyard owner, a regular or virtual winery owner, or a winery owner who organizes and hosts regular wine tastings. 

What Coverages Are Included In Standard Winery Insurance?

Typical winery insurance includes the following coverage types: property coverage (protecting buildings and contents from fire, vandalism, theft, and others), equipment coverage (protecting costly wine-making equipment), inventory coverage (protecting wine inventory from fire, vandalism, theft, and other unfortunate events), and liability coverage (protecting you as a winery owner from lawsuits). 

What Are The Benefits of Having Winery Insurance? 

As a winery or vineyard owner, you may wonder what the real benefits of having this insurance are. First of all, it protects your property from damage, provides you with peace of mind, and protects you from liability claims. The benefits of this insurance depend on your circumstances. However, in general, it is definitely beneficial to have winery insurance. 

If you operate your winery business in Houston, TX, or any other area in Texas, and you are thinking of getting winery insurance, Outdoor Insurance Services is the company that is here to assist you. At Outdoor Insurance Services, we work with clients in Houston, TX, and nearby towns. If you have any questions and want to know more about insurance options, do not hesitate to contact us. 

Craft Brewery Insurance Criteria

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Craft brewers rely upon the ingredients and equipment they use to manufacture each beverage type that they sell. If you own a craft brewery, review the insurance criteria below. Then, contact an Outdoor Insurance Services agent to learn more about the insurance products that will protect your Houston, TX, business.

Product Recalls

Product recalls can disrupt normal business operations. Besides being unable to sell products as usual, a business owner often incurs product waste.

A craft brewery insurance policy will cover the cost of the ingredients that cannot be used to produce beverages. A craft brewery insurance policy will cover the cost of contaminated ingredients and expired ingredients.

Equipment Protection

A craft brewery insurance policy can cover damaged equipment that cannot be used to mass-produce beverages in a brewery. Repairing or replacing the equipment will be reimbursed after an insurance claim is filed.

Liability Coverage

Many craft brewers offer tours of their facilities. An insurance policy that provides liability coverage will protect against injuries or illnesses that occur during a tour. This type of insurance will cover legal costs that a craft brewer incurs due to a lawsuit.

Workers’ Compensation

Workers’ compensation coverage protects employees who work at a craft brewery. If a worker becomes injured or sick, they can file a workers’ compensation claim.

Once the claim is approved, the worker will receive compensation for the wages they lost while unable to perform their job duties. The medical costs that a worker is responsible for will also be covered.

Reach out to Outdoor Insurance Services

Make an appointment to meet with an Outdoor Insurance Services agent who serves Houston, TX. An agent will prepare your craft brewery insurance policy.

What comes with a wineries insurance plan in Texas?

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Wine continues to be one of the most popular adult beverages in the world. Today, wine grapes continue to be grown in parts nationwide, including in the Houston, TX area. If you are going to open a winery here, it is essential that you carry proper insurance for the business. A wineries insurance plan will offer various types of coverage for business owners in this area. 

Liability Coverage

Whenever you are going to produce and serve alcohol, there is a certain amount of liability risk that you are taking on. Getting proper insurance should be a top priority when you are looking to mitigate this liability risk as well as possible. A winery insurance policy will give you coverage for accidents on the property and product liability coverage, which can offer support if someone is hurt or becomes ill by consuming a product you serve.

Coverage for Assets

It is also wise to get a winery insurance plan for proper asset coverage. Anyone purchasing a winery will also need to acquire buildings, wine production equipment, vehicles, and other vital assets. Without insurance, you could lose these items entirely if a fire or another peril occurs. Ultimately, your insurance plan will give you financial support if you incur a serious loss.  

If you are looking to open a winery in the Houston, TX area, you will want to ensure that you are properly insured. If you are looking for winery insurance, it would be helpful to call our team at Outdoor Insurance Services. Our insurance professionals understand the importance of proper business coverage, and we can help build a plan to protect your winery adequately. 

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.

What You Need to Know About Craft Breweries Insurance and Its Protection

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If you own a craft brewery, it’s important to have it insured, and to get the best insurance coverage for your investment; you need to understand what it involves. Brewery insurance is complicated, but with the right insurer, you are guaranteed a good policy. Outdoor Insurance Services in Houston, TX, offers Craft Breweries Insurance for business owners.

What Does Craft Breweries Insurance Cover?

A standard brewery insurance policy has four components. It offers coverages for general liability, liquor liability, miscellaneous coverage, and property coverage.

General liability coverage is just like basic liability insurance as it protects you from any legal accountability for things that happen on the property or any business-related interactions.

Property coverage is the most common to most brewery owners. This coverage protects the building, the tasting bar up front, and the equipment used for brewing. In case your equipment breaks down, this coverage also includes Boiler and Machinery coverage.

Liquor liability is essential coverage for all craft breweries. As the majority of the breweries serve their liquor on-site, this coverage protects you from and responsibility for accidents caused by intoxicated clients. In case you are sued for negligence, this coverage pays for legal expenses.

Miscellaneous coverage is an all-inclusive coverage for delivery cars, business auto, Crime, and Fidelity insurance, Excess liability insurance, Cyber Liability Insurance, and Employment Practices Liability Insurance. It comes in handy when you run out of general liability coverage.

Every brewery owner and operator needs to have a craft brewery insurance policy for industry-specific coverage. This form of insurance protects your brewery against unexpected losses and incidents that cause financial losses. Brewery Insurance also offers protection for;

  • Business property coverage
  • Workers’ compensation coverage
  • Equipment breakdown
  • Product contamination
  • Tank collapse and leakage coverage

Depending on the nature and operation of your brewery, you may get additional coverages to complement your Craft Brewery insurance. If you are a brewery owner in Houston, TX looking for an insurance agent to insure your business, Outdoor Insurance Services can help with that.

Why should I get distilleries insurance?

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The popularity of distilleries and related establishments has continued to increase all over the country. Those that run distilleries can be quite successful selling their products and serving customers. If you are in this industry, it is important that you have proper insurance. There are a few reasons why someone will need to have distilleries insurance in The Woodlands, TX. 

Insurance Will Protect Assets

A distillery will need to invest in a lot of hard assets to grow its business. Some of the assets that you will need can include equipment, inventory and furniture, and fixtures. If you were to lose these assets to a fire, it could be devastating. Fortunately, you can offset this risk with a distilleries insurance plan. When you get distilleries insurance, it will give coverage that can be used to repair or replace these core assets of your business. 

Liability Insurance Protection

You should get a distilleries insurance plan as it can also provide you with liability insurance protection. When you operate a distillery, there will always be some liability risk associated with producing the final product and selling it to customers. When you invest in a distilleries insurance plan you can build a policy that will give the coverage necessary to mitigate this risk. 

When you are looking for distilleries insurance to protect your The Woodlands, TX area business, it is important that you speak with someone that you can trust. The team with Outdoor Insurance Services understands the value that comes with distilleries insurance. Outdoor Insurance Services will be able to help you build a plan that properly protects your business from liability risk and covers all of the assets that your distillery owns. They are able to do this by assessing your particular needs and building a plan accordingly. 

Why do I need to carry wineries insurance

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Wineries are a unique niche in the business world. All businesses have particular needs and risks and wineries are no exception. Having the correct insurance to mitigate as much as possible those risks is important. At Outdoor Insurance Services in The Woodlands, TX, we have expertise in a variety of insurance services. Protecting businesses and business owners is one aspect we take pride in. We strive to provide our clients with the most appropriate insurance for their particular business. 

As a vintner, you are all too aware of the many hazards that your business and crop are exposed to. The amount of precipitation can affect your grapes adversely whether it is too much rain or too little rain. Many things that affect your bottom line are beyond your control but with the right insurance, you can protect your business and survive to succeed another day. 

Property insurance

A winery has the equipment to produce and store wine. A failure in this machinery can result in spoiled wine and a major loss. Barrels can fail and result in lost product. Texas is prone to tornados and damage to the building, vines and your entire operation are possible. Specialized property insurance can make sure that all aspects of your business are protected. 

Liability

If you have a tasting room or have guests on your property you are liable to be sued if someone is injured. All businesses are vulnerable to being sued and having enough liability insurance can protect your assets. 

Business interruption 

Things happen and when your business can’t function because of a covered hazard.  You need the funds to keep your bills current, your employees paid, and your own paycheck coming in. 

At Outdoor Insurance Services in The Woodlands, TX, we are experienced in putting together winery commercial insurance packages to protect your business. Give us a call to make an appointment to discuss this important insurance. 

A Thorough Overview Of Craft Breweries Insurance

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Outdoor Insurance Services serves The Woodlands, TX community by offering multiple types of insurance policies. We strive to make sure that our clients find the coverage they need to prepare for whatever risks life may throw their way. Our guiding principles are integrity and trust.

Craft Breweries Insurance Overview

More craft breweries are starting to emerge throughout Texas. Craft breweries stand out from the crowd due to their unique tastes, aroma, and development process. If you have a craft brewery in The Woodlands, TX area, it’s important that you protect your investment. Craft Breweries Insurance allows you to protect every aspect of your brewery. The policy acts as a safety net if you suffer an unexpected loss. You’ll be covered if your tank explodes or starts leaking. You will also be covered in other parts of your equipment start to break down. There is also the threat of your beverages being contaminated. The policy covers your brewery if an outbreak causes contamination.

Liability coverage is a major asset, especially if you have any tasting rooms that are open to the public or if you are hosting some special events. You will be protected if a patron gets injured while visiting the brewery. Make sure that all of your servers are certified to handle alcohol. It’s important that your employees are protected as well. The policy covers your brewery if one of your employees is injured in the workplace. This is especially important if your employees handle large equipment such as forklifts on a regular basis. You can also amend your policy to cover your business related vehicles as you travel around to different restaurants. The policy protects your business vehicles if they are damaged or stolen.

Consult With Outdoor Insurance Services

Visit our website today to learn more information about craft breweries insurance.

What Does Distilleries Insurance Cover

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As a distillery owner, you realize that there are lots of things that can happen that would hurt your business. A distillery is a very specific type of business, and having insurance that is explicitly designed for a distillery is important. At Outdoor Insurance Services in The Woodlands, TX, the staff is knowledgeable in all types of business insurance, and we can help you to find the coverage you need to keep your business up and running.

Distilleries insurance is a specific type of commercial insurance. Thus it is not one size fits all any more than regular commercial insurance would be. If you have a lender or landlord, they may require that you carry property and liability insurance. But if you don’t, no state or federal regulations are requesting that you have anything except perhaps workers compensation insurance if you have employees. 

Property insurance will protect the place where you are operating but also your product. With a distillery, the product that you are producing has to be matured. It has a value that needs to be understood by an expert.

A barrel leak could cause a loss that might devastate your business. You need coverage for the production equipment and office equipment as well. If you have a tasting room, you need to consider liquor liability as part of your coverage in addition to the regular liability. If you have vehicles, you will need commercial vehicle insurance. 

Often having a distillery is a dream come true. Distillery insurance can help maintain that dream. Whether you are looking for your first distillery insurance policy or are ready to change agencies, at Outdoor Insurance Services in The Woodlands, TX, we are prepared to give you the assistance you need to be sure that you have the coverage you need. Stop by our office or give us a call for a no-obligation quote.

Why You Should Have Specialized Insurance For Your Winery

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Outdoor Insurance Services is your insurance agency in Texas for all of your business and personal insurance needs. If you live in or around Cypress or The Woodlands, TX, call us to discuss your specific business needs. 

Vineyards Are On The Rise Across The Nation, and Specialized Insurance is More Important Than Ever. 

If you own a vineyard then you know all the hard work that is required to produce quality fruit for your winery. No one wants to lose any income at any time of the year. However, for many vineyard growers, the risks are always there threatening their way of life.  

Running a winery requires skill in many areas, and it requires so many things to come together perfectly time and time again, this is why specialized winery insurance is vital for the business owner in Texas who wants to make sure that they can keep on growing and producing product no matter what life throws at the farm. If you have a season that is too rainy it can affect the production and taste of the batch as much as a too dry season. Bugs, birds, and even people can cause damage to the crop, and there are about a dozen other factors from mechanical failure to worker strikes that can cause the fruit to stay on the vine instead of coming in for production. Even when it all works out perfectly and you have great wine to offer, tastings and clients offer their own liability factors. No worries, just contact us about an insurance policy that is written just for the many factors that are individual to wineries. 

Contact us at Outdoor Insurance Services for more information about specialized insurance for your winery, brewery, farm, or other businesses. We serve Cypress and the Woodlands, TX areas with comprehensive insurance services for your farm and life. Call today.