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
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.
Business Insurance
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…
Employee Benefits
Employee FAQs: Group RRSPs
CapriCMW's Group Retirement and Savings Advisors answer some of the most common questions from employees about their Group RRSPs.
Talk to an Advisor
Your CapriCMW Risk Advisor has highly specialized knowledge of your industry and is empowered to act quickly and independently to ensure direct, personal service.
