Booming beverage industry has special insurance needs

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The craft beverage industry is booming. Breweries and wineries operate in all 50 states, and the number of distilleries has more than doubled since 2011. Growth stems primarily from states welcoming breweries, brewpubs, wineries and distilleries – granting new licenses and drafting legislation to ease excise taxes – and from the desire of consumers to buy locally.   Proprietors in the craft beverage industry have special insurance needs.


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Lightning – or power surge? I’m not worried; I’m covered

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In the old days – I am 54 and have been in the insurance business since 1987 – a lightning claim investigation was a pretty simple process. I would simply review whatever resources were available and determine if a thunderstorm had passed through the area on the day the loss occurred. If a storm could be verified, the loss claim was validated.


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When planning a spring event, prepare for the unexpected

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Organizing any event  ̶  whether a festival for thousands or a garden walk for a hundred  ̶  takes many hours of planning and preparation. However, unexpected situations can arise with even the most meticulously planned events. To help ease the worries of injury, property damage or other unforeseen exposures, speak to your local independent insurance agent about whether you have adequate insurance coverage for your event, large or small. For some situations, you will want to seek advice about your homeowner or personal umbrella coverage. For larger events sponsored by[.....]


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