Who we can help
A closer look at your exposure.
Craft distilleries, spirit producers, blending and bottling businesses, and operators with tasting rooms or retail sales.
Distillation, flammable liquids, ageing stock and public tastings create different exposures. Tell your broker about every activity, including contract production, tours, events and sales outside Canada.
What to discuss with your broker
Buildings, equipment & stock
Review production equipment, fire protection, stored spirits, barrels and how stock values change during ageing.
Products & recall
Discuss quality controls, traceability, labelling, contract bottling and options for product liability or recall expenses.
Visitors & alcohol service
Describe tasting rooms, tours, events and serving practices so premises and liquor liability needs can be reviewed.
Interruption & distribution
Consider equipment dependencies, replacement lead times, transit, suppliers and distributors.
These are areas to consider, not a promise of coverage. Options, exclusions, limits and availability depend on the insurer and your circumstances.
Have a useful first conversation.
If available, have the following information ready. Your broker will tell you what is needed for a formal submission.
- Production processes, annual volumes and revenue by activity
- Equipment and stock values, storage details and fire protection
- Licences, quality controls, tasting-room and event operations
- Distribution territories, contracts and recent loss history
A question worth asking
Does a manufacturing policy automatically include my tasting room?
Declare tastings, retail sales, tours and events separately. Your broker can review visitor and alcohol-service exposures alongside production risks and explain any insurer requirements.