The article below as originally found on www.craftbrewingbusiness.com, written by Chris Crowell and published on 8/7/14. It examines the particular case of 10 Barrel Brewing Co's recall and paints an excellent picture of a why Liability Insurance is a MUST for Breweries... "10 Barrel Brewing Co. conducted a voluntary recall of two of its beers, Swill and Beer #1 from its number series, after discovering that some of the product may be experiencing secondary fermentation in the bottle, causing over carbonation. As a precaution, 10 Barrel Brewing removed all inventory of Swill from its wholesalers and retail shelves and asked that customers immediately dispose of any Swill already purchased. “Swill is brewed with a completely different process than any of our other beers, isolating this issue to only Swill,” the company noted in its recall notice. “This recall does not affect any of 10 Barrel Brewing’s other products and we’re completely confident that all of our other beers are of the highest quality.” 10 Barrel also added this: Consumers: if you have any Swill in your home, please do not open it, attempt to transport it, or return it to your retail store. Dispose of the product by following these steps: (i) Before disposing of any bottles of Swill, please put on protective gloves and eye wear; (ii) Place all remaining Swill bottles in a closed box and place immediately in a secured dumpster or trash container outside. “We take the utmost pride in producing an extremely high quality product and continuously striving for new and innovative beers to send to the consumer. Unfortunately in this instance, despite a rigorous testing and brewing quality-‐check process, we didn’t hit the mark,” the company stated. So, what was the problem? Apparently it stems from an enzyme the team was using that was meant to break down complex starch strains and reinvigorate early fermentation in some of its sour beers." Hopefully, 10 Barrel Brewing Co. was insured, because if anyone DID get injured by their over-carbonated beers, they could be on the hook for a lot of money. To learn more about Liability Insurance and other coverages we can provide your brewery, contact us for a quote BY CLICKING HERE.
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Hired & non owned liability coverage on automobiles covers the liability for automobiles that you rent. Liability coverage covers the bodily injury or physical damage to a third party for by the vehicle that is under your care/custody/control. Liability is different coverage than physical damage coverage for an auto (hired/non-owned). Physical damage coverage covers the damage to the actual vehicle you are renting. The cost to add this coverage is approximately $500 annually for $50,000 in physical damage coverage. If you only rent occasionally (during the harvest season), we recommend you take out a physical damage only policy on the rented vehicle. Managing workers' compensation insurance costs can be tricky. You want to protect your employees while still keeping premiums as low as possible. Of course, avoiding accidents is the surest way to save money on coverage. But if an accident does happen, and they inevitably do, you need a carrier who will be there, working to get your injured workers appropriate medical treatment and managing their claims so they can get back to work quickly and safely. Workers compensation is a “no fault” system where employees that are injured on the job and in the course of employment. Failure to meet your workers’ compensation coverage requirement can leave your business exposed to both the full costs of workers’ compensation claims (through litigation) and additional regulatory penalties levied by the states, which can be severe. Part Two of the workers compensation policy, Employer’s Liability, is often overlooked, yet a very important exposure for businesses to consider. Employer’s liability fills the gap between the narrowness of the workers’ compensation policy and exclusions in the commercial general liability policy. Employers liability protects the employer from the employee, family member, or another entity seeking damages from the employer. In order to seek damages, the person must prove: 1) there was a duty owed to injured individual; 2) the duty was breached by the employer; 3) an injury occurred; and 4) the breach of duty was the proximate cause of the injury. The cost of workers’ compensation insurance is determined based on a business’ risk classification rate and its individual payroll. This is where Regnier Insurance can be an invaluable partner. We help our policyholders contain the costs associated with workplace injury or illness through our Claims Management, Managed Care Services, and Loss Control. To learn more about Workers' Comp and how to get a free personalized quote, send us an e-mail at info@regnierinsurance.com or call us at 512-448-9928. by Cody Fague and Isaac Arthur (as found on craftbrewingbusiness.com)This piece is aimed at established breweries. Whether you’ve been brewing for five years, or for 25, rebranding can be an important step to reflecting positive changes and growth to your audience. But it’s not something to be taken lightly and there are some important factors that should drive the decision. Let’s talk about some of these reasons as well as additional issues to consider before undertaking the process.
Starting off, businesses don’t rebrand just for the sake of rebranding. “Hey, it’s Tuesday. Let’s spend $50K!” There’s got to be a problem you’re trying to solve, or an opportunity you can’t pass up. Some reasons a brewery may consider rebranding:
Read the Full Article Here By Keith Gibbons (as found on www.craftbrewingbusiness.com)
The science of commercial beer goes beyond the chemistry of brewing. The process of packaging it is an equally impressive engineering feat, requiring bottling, canning, kegging, labeling, sorting, accumulating, boxing, palletizing, shipping and so much more in between. Visit a packaging and distribution center at a brewery like New Belgium Brewing Co. and the automation of the packaging process can look a little like an ultra-complex Rube Goldberg Machine. As craft breweries grow, their bottling, canning and packaging lines will become interconnected chains of automated systems ranging from filling lines and labelers to bottle conveyors and case erectors. The process of engineering and re-engineering these packaging lines (as brewers grow) can be quite complex and expensive. To help prepare upcoming brew barons for their future packaging needs, we tapped the big brains of some of the industry’s most successful craft brewers and some of the industry’s most well-respected manufacturing brands. Those awesome insights are below, ranging from production systems engineering to packaging hall design. We raise a hearty toast of thanks to everyone involved. The importance of preventive maintenance Matt Smith, packaging manager Ninkasi Brewing Co. (Eugene, Ore.) Whether you own a shiny brand new packaging line or a boneyard of random packaging equipment, there is one important item to keep focus on. That item is preventive maintenance. It’s the only way to avoid machine failure and to help prevent future breakdowns. Greasing the same zerks every week may seem redundant at times, but something so small will help ensure the longevity of your packaging equipment. Initiating a preventive maintenance schedule is fairly easy to create and implement. A good place to start is to go through all of the current machine manuals on hand, and review and record the recommended maintenance schedules listed in those manuals. An even better idea would be to call the machine manufacturer just to make sure all of the information in the manual is accurate and up to date. If no manual can be found, then contacting the machine manufacturer is the best option for replacement. Gather all the information you can and make a specific three-ring binder for each machine with all of the scheduled repairs and overhauls listed very clearly for the operators to understand. This will also help maintenance personnel know which machine needs attention and how frequently. Setting a specific date every week or month for scheduled maintenance is another great way to ensure your packaging equipment will last and perform how you need it to. Staying on top of preventive maintenance will not only prolong machinery life but will also improve the quality of the product you are packaging. Cheers! READ THE FULL ARTICLE HERE |
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