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 / Named Insured
Explaining the 'Named Insured' in Your Business Insurance

Policy wordings for business insurance can be highly complex and the technical and legal language can be overwhelming to interpret. However, there is one term in particular - the named insured - that is extremely important for you to understand as a…

Sep 19th, 2023 | By: CapriCMW
Business Insurance / ecommerce, accessibility
Selling Online to the US: Improve your Website Accessibility to Avoid a Lawsuit

If your business sells goods or services online to customers in the US, it is important to be informed about your legal obligations under the Americans with Disabilities Act (ADA).

Jul 21st, 2023 | By: CapriCMW
Employee Benefits / Pension, employee benefits, First Nations, indigenous bands
Breaking the Cycle of Inequity for Indigenous Band Employees in Canada

When comparing the compensation of Indigenous band employees with those of other federal government employees, it is evident that there is a significant disparity.

Jul 14th, 2023 | By: Buffy Mills

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