Breweries Insurance Markets

Brewpubs, craft cideries, craft distilleries, nano breweries, microbreweries, taprooms and start-ups. Property, equipment breakdown, crime, cyber and CGL, with product recall, brands and labels, production machinery and host liquor liability highlights.

Target classes include B&Bs, hotels and motels, restaurants and pubs, bars, apartment, condominium and leased buildings, short-term rentals, vacant buildings, retail stores, manufacturing, arenas, events, welding, UAV and daycare centres.

Restaurants, pubs, taverns, bars, cafes, delis and catering, breweries, hotels, motels, seasonal operations, private clubs, lounges, banquet halls. Property, BI, liability and liquor, contamination recall, legal expense, crime, non-owned auto, EPL.

Up to $50M fire-resistive and $25M frame on a quota share basis; excess layers up to CAD 30M (All Risks, minimum premium CAD 50,000). Hard to place or distressed accounts. Sawmills and woodworking, seafood processing, manufacturing, hotels, condos and apartments, municipalities, agriculture and food, power and utilities, property owners, restaurants, gyms, breweries and distilleries, retail, grocery.

Primary, excess/umbrella and construction wrap-up. Contractors, excavation, electrical, plumbing and mechanical, blasting and shoring, welding, carpentry, oil and gas, mining, forestry, public sector, snow removal, roofing. Wholesale and manufacturing excess/umbrella over $100M including US exposure.

Restaurants (licensed and unlicensed), hotels and motels, craft breweries, pubs, lounges and bars under 40% liquor receipts, bed and breakfasts, FUS 1 to 7. Over 40% liquor goes to USLI online quote.

Light to medium manufacturing and fabrication in FUS 1 to 7, liability up to $10M. Excludes risks without dust control, critical safety parts, plastics, rubber, chemical or fertilizer manufacturing.

Craft distilleries and spirits producers, from raw ingredients to bottling, storage, tours, tastings and distribution; craft breweries also on the appetite list.

Bars, lounges, taverns, breweries, restaurants, hotels, motels, fast food, kiosks, banquet halls, rural and unprotected risks. Up to 100% liquor receipts, liquor liability and forcible ejection up to policy limits. Up to $10M primary CGL and $15M excess on some classes.

Wood, plastic and heavy metal manufacturers, wholesale and distribution, US and foreign revenue, higher hazard grades. CGL, umbrella and excess up to $50M, property with 40+ extensions, product recall, manufacturer's E&O and stock throughput. No minimum premium, worldwide territory, up to 100% US sales.

Licensed establishments with up to 100% liquor revenue: restaurants, pubs, sports bars, brewpubs, cocktail bars, nightclubs, lounges and adult clubs. Also bowling and axe throwing, arcades, amusement parks, concert halls, festivals, arenas and special events. CGL, umbrella and excess up to $5,000,000; liquor liability to policy limits. Package property on request.

Targets high severity accounts, manufacturers, wholesalers and suppliers, snow removal and landscape contractors, start-ups, high US sales (up to 100%), goods made overseas, sports, leisure and recreation, entertainment and special events. Limits up to $10,000,000. Minimum premium $2,500. Declines long haul and US trucking, cannabis and pharmaceuticals.

Product contamination and recall coverage.

Property, liability and commercial auto for large businesses with alternative structures (captives, larger deductibles, retentions). Sectors: financial services, automotive, healthcare, food and beverage, realty, construction, manufacturing, business and professional services, warehousing and wholesale, mining.

Businesses that manufacture goods, process foods or sell wholesale, including delivery vehicles.

Target premium $25K+, minimum deductible $2.5K. Manufacturing (food and beverage, metal and glass, furniture, chemicals, consumer products, machinery, auto parts, building materials, rubber and plastics, cosmetics), environmental consultants, commercial and industrial real estate, specialty contractors (restoration, mould and asbestos remediation, demolition), broad product liability for manufacturers, wholesalers and distributors.

Fixed site policy (manufacturing, warehousing, light industrial, retail, office, educational, landfill, recycling, waste and excess soil sites); contractors pollution (all GCs, remediation, abatement, waste and restoration contractors); consultant pollution (environmental consultants, air quality, compliance firms, labs). SME environmental also offered.

Manufacturing and processing classes include animal feed, bakeries and confectioneries, textiles, carpets and clothing, cosmetics, food and beverage (including dairy), frozen food, jewellery, meat packers, musical instruments, printing and publishing, seed processors, and soaps and detergents. Wholesale and distribution includes the same classes plus beauty supplies, computers, appliances, furniture, grocery and produce, hardware and plumbing, HVAC and refrigeration, housewares, paper and restaurant equipment. Coverages: CGL, products and completed operations, employer's liability, EPL, manufacturers E&O and recall on select risks, property and crime (not on all risks). Liability limits up to $10,000,000; U.S. and worldwide sales with no limit on U.S. sales.

Mid to large manufacturers: metal products, industrial machinery, electrical equipment, non-critical auto parts, transportation equipment, food and beverage, machine shops, cement and concrete products, low to moderate hazard chemicals, rubber products (highly protected risks only). Property and business income, equipment breakdown, crime, CGL, umbrella, auto, cyber, management and professional liability, inland marine and cargo. Extensions include manufacturers E&O, product impairment and limited product recall expense.

Food and beverage, nutraceuticals, automotive components, consumer products and non-invasive medical devices.

Animal feed, clothing, concrete facilities, flour mills, food and beverage processing, machine shops, plastics, printing, ready mix, woodworking. Property limits up to $20,000,000, liability up to $15,000,000, umbrella, manufacturers E&O, product recall expenses, US and foreign sales.

Manufacturers' liability with no limitation on US sales; woodworkers and furniture manufacturers.

Property and liability in one placement. Strong fit: hospitality, retail and wholesale, small and mid-sized manufacturing, trades and contractors, business and professional services; also restaurants and food vendors, pet care, beauty, bed and breakfasts. Property, business income, equipment breakdown, CGL; optional cyber, terrorism and umbrella or excess.

Real estate, manufacturing, development, warehouse and logistics, data and call centres, R&D and technology centres, industrial, alternative energy, M&A. Terms up to ten years.

Product recall insurance also offered.

Mid-market to risk-managed manufacturing, construction, hospitality and casinos, retail and wholesale, commercial realty. Primary GL $10M, umbrella and excess $25M, wrap-up $25M, fleet auto $2M in support. No appetite: residential contractors and developers, pharma and nutraceutical manufacturing, nursing homes, firearms, hospitals and clinics, tobacco, auto and critical auto parts, aviation.

Security agencies, fitness centres and sports clubs, leisure, games and events, manufacturing, hydro and thermal plants, welding, blasting, pesticide spraying, construction (hot roofing, wrap-ups, bridges, railways), demolition, asbestos, mould and contaminant remediation. Faulty workmanship and sudden and accidental pollution may be included; excess available.

Property, business income, equipment breakdown, crime, GL, umbrella and auto for companies with $25M to $500M revenue in manufacturing, wholesale and distribution, realty, retail, hospitality, business and professional services, technology and financial institutions. Minimum account premium $25,000; property to $500M TIV; GL $5M; casualty $25M. Focus on BC, Alberta and Ontario.

Products and services for manufacturing firms.

Contractors, manufacturers, hospitality, premises and miscellaneous risks. Products liability application also available. Also quoted online through Mako.

Package for businesses operating in Canada and abroad, with segments for commercial, construction, healthcare, manufacturing, office, oil and gas and technology. Business interruption, CGL, D&O, crime, equipment breakdown, property, umbrella, voluntary workers compensation and employers liability. Customized limits.

Multi-industry and single-industry specialists in construction, financial institutions, healthcare, life sciences, manufacturing, mining, oil and gas, power generation, professional services, real estate, renewable energy, technology, transport and logistics. Auto, CGL, cyber, D&O, equipment breakdown, inland marine, marine, E&O, property, surety, umbrella.

Tailored multi-line packages for mid-sized manufacturers, wholesalers and multi-location companies, about $10M to $100M+ revenue, with risk services and loss prevention engineers.

Commercial property, commercial liability, boiler and machinery (basic, broad or comprehensive), business interruption, service line, Cyber Suite 2.0 and crime. Industries listed: construction and contracting, retail and wholesale, services and hospitality, manufacturing, transportation, real estate. Start-ups and established businesses. Offered in AB, BC, NB, NS, ON, PE and QC.

Retail and e-commerce, realty, business services, manufacturing, wholesale and distribution, contractors, transportation and warehousing, among others. $5M in-house authority, higher limits on request. Umbrella/excess can schedule US policies.

Property and liability for a range of operations, from contractors to manufacturing and wholesale. Extended Coverage Bundle and Contractors Extended Coverage Bundle. Options: Padlock Cyber and Data Protection, legal expense, equipment breakdown and umbrella.

Building and equipment, production machinery breakdown, business interruption, products liability, umbrella and trade credit for manufacturers.

Welding and machining workshops, vacant buildings, retailers, construction contractors, forestry and mining contractors, wholesalers and manufacturers, seasonal risks. Equipment breakdown available.

General contractors (existing or start-up, experienced) including faulty workmanship and contractor E&O; new construction and renovation contractors; industrial mechanics, electromechanics and welding contractors; roofers (cold process or heat application); plumbing and electrical contractors; snow removal; manufacturers and distributors including US sales and manufacturers E&O. Umbrella and excess also offered.

Residential rental, commercial realty, church, office, contractors, home based business, retail stores, wineries and light manufacturing. Options include equipment breakdown, sewer backup, flood, earthquake, crime, cyber, umbrella, business interruption and professional liability for certain professions.

Manufacturing from plastics to metals: contaminated products, business interruption and more.

Products for this industry are listed in the Appetite Explorer.

Commercial property (all risk or named perils), business interruption, CGL. Classes include contractors, jewellers block, restaurants and fish processors, plus construction, retail, hospitality and manufacturing.

Revenue under $5 million (under $3 million for manufacturing and contracting), total insured value under $10 million ($5 million per location), up to nine vehicles. Some classes are excluded by province, for example bars and taverns, plumbing and residential realty in most provinces; check the exclusion table on the page.

Construction, builders risk, manufacturing, wholesale distribution, warehousing, commercial realty. $50M line, quota share or layered, primary or excess; equipment breakdown available. Canadian domiciled risks with incidental US exposure.

Construction, wrap-up liability, manufacturing, wholesale distribution, warehousing, commercial realty. $25M line, primary, excess or umbrella. Canadian domiciled risks; US and international exposures considered.

Limits up to $25MM+, minimum premium from $500. Eligible classes: construction (contractors, sub-trades, architects, engineers, consultants), manufacturing, real estate (strata corps, boards), energy and resources (oil and gas, mining, forestry, renewables), med science including cannabis, sports and entertainment (subject to sufficient revenues), commercial and non-profit entities.

Most commercial and industrial risks for owners and operators: retail including shopping centres, distribution, manufacturing and more; large limits available.

Products liability application also available.

Classes include landscapers, snow removal, pet care, antique and farmers markets, beauty products, beauticians and barbers, contractors, cosmetics, manufacturers, processors, recycling and sanitation, remediation, retailers, wholesalers and licensed restaurants (not exhaustive). Limits up to $10,000,000, deductibles from $1,000; occurrence form with claims-made option; enhancements include faulty workmanship, product recall, manufacturer's E&O and EPL; worldwide sales available. Excess and umbrella also available.

Medium to high hazard industrial and consumer products, machinery, chemical manufacturing, oil and gas equipment, mining equipment and transportation products. CGL up to $5M, umbrella, excess and product run-off (claims-made, up to 5 years, limits up to $10M). Premiums from $25,000 net of commission.

School boards, municipalities, hospitals, technology, industrial and manufacturing, food products, transportation, financial services and specialty programs. Revenues over $100m, minimum deductible $250,000, premiums from $25,000 net of commission; syndicated line of CAD/USD 25M+.

Strong appetite for manufacturing and processing, including classes difficult to market.

Focus on contractors, manufacturing, wholesale and distributors, real estate, professionals and technology, from small office exposures to complex contractors.

Classes include automotive, cannabis, construction and sub-trades, food processing, manufacturers, distributors and wholesalers, medical and biotechnology, mining, oil and gas, pharmaceutical and nutraceutical, rail infrastructure, realty, retail, security and USA sales.

Property, business interruption, equipment breakdown and contractors equipment. Classes include construction, contractors, hotels, manufacturing, realty (condominiums and apartments), recycling, retail and sawmills.

Manufacturing, wholesale, retail, contractors and commercial realty, backed by A-rated or better insurers.

Property, fleet and garage, farm, umbrella and legal expense for mid-size and larger businesses in manufacturing, commercial realty, business and professional services, contractors and retail.