Property exposure comes from the combustibility and the damageability of the beer and ale. Ignition sources for fire are limited. However, should one occur, the fuel load is extensive. Beer and ales have a short shelf life and may need to be refrigerated. Are coolers located at the storage facility? It is important to review the condition and protection of the storage facilities, as well as whether or not the operation performs its own vehicle maintenance, or if it is subcontracted out to others. On-premises vehicle maintenance can provide an ignition source. It should take place in a facility separated from the main warehouse. Business income from dependent properties is a concern since most beer distributors work with only one manufacturer.