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

Employee Benefits / workplace safety, health and safety
BC Government Introduces Workers Compensation Act Changes to Support Injured Workers

The BC government has introduced amendments to the Workers Compensation Act aimed at providing better support to injured workers in their return to work.

Dec 1st, 2022 | By: CapriCMW
Personal Insurance / ICBC, auto insurance
ICBC Introducing Usage-Based Discounts Beginning in 2023

As part of its intended shift towards more personalized insurance products, ICBC will be introducing new usage-based insurance options over the next several years. The first of its usage-based offerings will be available in 2023, a discount on certain…

Nov 24th, 2022 | By: CapriCMW
Personal Insurance / Additional Insured, Named Insured
Three Types of Insureds Explained

Are you aware of the differences between Named Insureds, Unnamed Insureds (also known as simply Insureds) and Additional Insureds? They are often confused, but the distinction is very important to understand. 

Nov 18th, 2022 | By: CapriCMW

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Your CapriCMW Risk Advisor has highly specialized knowledge of your industry and is empowered to act quickly and independently to ensure direct, personal service.

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