Crime exposure is from Employee Dishonesty. Ordering and inventory should be separate responsibilities for check and balance purposes. There must be a monitoring system in place to discourage employees from stealing inventory or acting with others to assist in the theft. As we design a comprehensive insurance program, every possible scenario is thought over. The claims activity will prioritize the issues as far as the actual underwriters are concerned.
By mixing and matching these policies based on the unique needs of your operation, you can obtain maximum coverage at an affordable price. Some insurers offer these coverages in packages specifically for craft brewers that can be further tailored to address the needs of your individual operation. If your operation involves a restaurant or other type of food service you will need to consider additional coverage for related exposures.
There are several other issues to review regarding operating a business. Employment related issues along with crime, and property in transit all deserve consideration for open breweries. Our team prefers to review everything, and then allow you, our client, to make informed decisions. We are emphatic about sharing information, supporting our clients, and protecting our clients for the long-haul.