Craft Brewery & Distillery Insurance

Crafter’sChoice is an exclusive insurance program, created by CapriCMW Insurance, in partnership with Northbridge Insurance, to meet the unique needs of craft brewers and distillers in BC, and provide comprehensive and flexible policies.

In addition to coverages found in typical Commercial Insurance policies, Crafter’sChoice includes these additional coverages:

Spoilage

Coverage for spoilage due to refrigeration breakdown while in transit or in storage, for up to 180 days, including connections and pipes.

Contamination and infestation

Coverage for loss of product due to alteration (e.g. malicious tampering), or if product is determined unfit for consumption by a regulatory body.

Public relations expense

Coverage for expenses incurred (e.g. advertising and public relations consultants) resulting from a negative incident.

Business interruption

Coverage for loss of profits due to disruption of premises utilities (e.g. heat, power, gas, water, or communications supply).

Brewmaster and Key Personnel Replacement

Coverages for expenses resulting from the need to replace key personnel due to death or permanent disability.

Breach of Contract

Coverage for fines, damages or penalties associated with a Breach of Contract. Bad batch Coverage for loss of, or damage to product while being worked upon (by you).
 

Resources

Business Insurance / Property Management, Strata Corporation, subrogation
Strata Corporations and Subrogation: Recovering Costs of Damages From At-Fault Parties

Our Strata Advisors explain reasons why subrogation can often be a long and arduous process, steps that should be taken immediately after a loss, and what strata corporations can do to support subrogation claims.

Aug 18th, 2022 | By: CapriCMW
Business Insurance / employment practices liability
3 Strategies to Limit Your Organization's Exposure to Employment Claims

The impact of the COVID-19 pandemic has led to a global shift towards remote and hybrid work arrangements, the introduction of vaccination policies and a renewed spotlight on diversity, equity and inclusion. As a result, businesses are facing new and…

Aug 10th, 2022 | By: CapriCMW
Employee Benefits / employee benefits, group retirement, retirement savings, RRSP
Employee FAQs: Group RRSPs

CapriCMW's Group Retirement and Savings Advisors answer some of the most common questions from employees about their Group RRSPs.

Aug 3rd, 2022 | By: CapriCMW

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