As the number of breweries opening continues to grow, so does the competition. Quality of beer, quality of people, and branding are all important factors in helping determine the success of a brewery, and so is creative marketing. Hosting fun events at the brewery is a great way to not only stand out, but to also highly engage with your community. However, the more creative breweries get, the more risk is associated with these events. If your insurance carrier is paying close attention, some of these events may even be specifically excluded on your Liability policy, leaving your brewery exposed if any accidents occur. Athletic or active events, such as running, games, or yoga come with an even higher risk of participant injury. It only takes one serious incident to bring about a potentially large lawsuit.
In order to lessen your risk from any potential lawsuits, we suggest having each event participant sign a participant waiver form or "Prospective Release, Indemnity, & Hold Harmless Agreement." We've drafted up a sample form you can download below, and we encourage you to use it the next time your brewery has an event featuring participants, especially events of a more athletic or physical nature.
During harvest, bottling and special events/festivals, many wineries utilize volunteers to help. While this can be a cost efficient form of adding extra labor, it also presents your winery with additional liability. By allowing volunteers to help with your winery operations, you become liable for any bodily injury or property damage that occurs to or in conjunction with the volunteers. In order to protect yourself, we suggest having each volunteer sign a volunteer waiver form or "Prospective Release, Indemnity, & Hold Harmless Agreement." We've drafted up a form you can download below and encourage you to use it the next time your winery utilizes volunteers.
*Please consult your attorney before utilizing this form to ensure it follows effective legal protocols and language.
It's been one whole year since we took over the reigns of Regnier & Associates and started anew as WinStar Insurance Group. What a great and successful year it has been! This past weekend, we had our 1 Year Anniversary Celebration at Cover 3 here in Austin. Many thanks to all who showed up and shared in the celebration. We look forward to continue working with all of you for many years to come.
Repost via Beall Brewery Insurance
Is a Pet-Friendly Brewery Policy Right for You?
Combining man’s best friend with man’s favorite brew might seem like a natural step, but the fact is that having a pet-friendly brewery is a complex issue that requires much careful consideration, Beall Brewery Insurance reports.
Your brewery’s ability to legally admit pets on site is closely connected to your state, county, and city regulations. If you are considering making the transition to a pet-friendly brewery, check with local authorities on the regulations are in your area.
Once you have all those regulatory ducks in a row, check with your brewery insurance agent. Pet-friendly status could impact your insurance coverage.
Pet-Friendly Brewery Points to Keep in Mind
Businesses treat service animals differently than other animals. According to a Department of Justice document about the Americans with Disabilities Act, “entities that have a ‘no pets’ policy generally must modify the policy to allow service animals into their facilities.”
Other animals, however, present contamination and liability exposures. If you move forward with your pet-friendly brewery, be sure that the rules for animal guests are clear. Here are a few you might want to consider:
Additional Pet-Friendly Brewery Points to Keep in Mind
There are other situations to consider, too. For instance, what if a guest who is allergic to dogs enters your brewery, only to find dogs on the premises? A sign posted outside the brewery, declaring its pet-friendly status, is a great way to alert customers.
Of course, it’s recommended that the brewery post signage including the rules for animal guests. If a pet is barking excessively or behaving aggressively, the brewery will be in a better position to request the removal of that pet.
It’s also a great idea to post your pet-friendly rules on your website.
Has your business been affected by Hurricane Harvey? To report a claim, contact our Claims Specialist, Cherry Guidry, at (512) 628-5184 or firstname.lastname@example.org. Download any Claims Forms at www.winstarins.com/claims. If after hours or if no one answers, contact your appropriate carrier - Alteris: 877-474-8808. NSM: 1-888-607-6642. Fairmont: 1-800-690-5520.
Many breweries, wineries, & distilleries have often rent their facilities for use by the public, including birthday parties, work events, reunions, etc. While these are typically good sources of revenue and are also a good public relations tool, they do present additional liability exposures to your business.
For breweries, wineries, & distilleries that lease their facilities to others, we recommend the use of a contract which details the terms and conditions of the rental and also provides that the lessee/rental party will hold the distillery harmless in the event of injury or other damages related to the use of the premises. When reviewing Rental Agreements, many contracts are not appropriately worded with needed protection or are incorrectly completed, often with provided spaces left blank. This document offers risk management guidelines to assist your organization in reducing your liability exposure. A sample rental contract is included with a hold harmless agreement that may be used in whole or as an example for your organization. Whether you use the sample agreement or develop your own, you should have it reviewed by an attorney. If you choose to create your own form, consider including the following points:
Any forms/contracts should be reviewed by an attorney for compliance with local laws and suitability to the particular needs of the organization involved. Once developed, the contract should be used for all rentals, even if the distillery is being used gratis or by a member. A copy of the contract should be given to the lessee and the original kept on file.
Since 2014, WinStar Insurance Group (formerly Regnier Insurance) has had the Texas exclusive to the BreweryPlus Program with A+ rated carrier Alteris. Alteris, along with our agents, are experts in the field of brewery insurance, and insure hundreds of breweries across the country. We now insure over 50 breweries in Texas alone, along with over 100 Texas wineries as well. Together, our coverages are designed exclusively to meet the unique needs of Texas craft brewery owners, including your General & Liquor Liability as well as your Property & Equipment Breakdown. We can also cover your Commercial Auto & Workers Comp. These coverages at the right price give you the confidence that you are with the most reputable, comprehensive, and affordable insurance product available to assist you in quickly resuming operations after a loss and to help you take steps in reducing your risk.
Interested in a quote? Click the Button Below or Contact us at email@example.com or (800) 252-9435.
Going to the 2017 TWGGA Annual Conference this weekend in San Marcos? Make sure to stop by our booth, say hi, & enter to win the above Texas Winery framed print. We will announce the winner at the end of the conference & we look forward to seeing you!
Thanks to everyone who came out to 11 Below Brewing at the last Texas Craft Brewers Guild Houston Brewers Night and for sitting through our little lecture on insurance. I'm sure some of the things we discussed are common knowledge to you but I hope you at least took something from it. As promised, we've attached our Powerpoint presentation for you to download to peruse at your own leisure. For those not at the last TCBG Houston Brewers Night, as insurance specialists for the Texas brewery industry, we put together a short powerpoint on best practices and risk reduction regarding insurance for your brewery. Implementing some of these suggestions will not only reduce your risk and keep your brewery and your employees safer, but it could also reduce your premium, allowing for savings to be allocated where you want..
We are pleased to announce that effective October 1, 2016 our agency ownership has changed. Ted Regnier has decided to officially retire and has sold his interest in Regnier & Associates, Inc. Regnier & Associates was founded in 1982 by Cynthia Regnier and has specialized in specialty insurance programs since 1985. We have had much growth and success over the past 30 years and we sincerely thank YOU, our customers, for the trust you have placed in us and the opportunity you have given us to serve you.
The new agency owners are Barbara Marzean, Stephanie Dew and Glenn Hastings, all of whom have been with the firm for many years. Along with this new ownership, the agency name is now WinStar Insurance Group LLC.
Barbara Marzean has been with Regnier for more than 30 years and has served as the President since 2005. She will continue to serve as the President of WinStar. Stephanie Dew has been with Regnier since 2010 and has served as the Director of Sales & Marketing. Steph will serve as VP/Director of Sales & Marketing for WinStar. Glenn Hastings has been with Regnier for over 15 years as an outside Sales Associate for the Houston area. Glenn will serve as VP/Senior Sales Associate for the Houston area for WinStar.
With this change, there is no change in staff or the way we operate and we will continue to offer the same service and products as we provided under “Regnier Insurance”. We are excited for the future and we want to thank all of our friends and customers for your continued loyalty and trust!