Winery, Distillery & Craft Brewery Insurance

Specially crafted insurance plans for your brewery

Craft breweries face a unique set of challenges when it comes to insurance policies. Craft breweries are typically seen as small business enterprises, yet the large production and distribution options expose them to large financial opportunities and risks. At BRIA Insurance & Risk Consultants, we work hard to help ensure your business stays protected.

Our insurance options for craft breweries include, but are not limited to:

• General liability.
• Coverage for equipment and machinery.
• Liquor liability.
• Umbrella Coverage.
• Property Insurance.
• Workers’ Compensation.

Contact an insurance specialist at BRIA Insurance & Risk Consultants to set up a consultation.

Restaurants, Taverns & Cafes

Serving up the coverage you need

BRIA Insurance & Risk Consultants provides insurance to restaurants, taverns, cafes, and other service industry businesses. Our coverage options include:

• Property.
• Business Income – Actual Loss Sustained.
• Liquor Liability.
• Equipment breakdown.
• Food Spoilage – Power Interruption.
• Property Enhancements.
• General Liability Enhancements.
• Auto.
• Workers’ Compensation.
• Employment Practices.
• Data Compromise/Identity Recover.

These policies are available to a variety of establishments including:

• Fine dining.
• Franchises.
• Fast food.
• Sushi bars.
• Live music venues.
• Delicatessens.
• Concessionaires.
• Entertainment.
• Happy hours.
• Catering.
• Valet parking.

Contact us to learn more about how BRIA can help protect you from risk.

Retail Insurance

Keep your business running at a high level

Retailers face a number of challenges when it comes to keeping their business running at a high level, including everything from regulatory issues and theft to competition within the industry. When it comes to managing the risks of running your own retail business, you want the best protection possible. BRIA Insurance & Risk Consultants will work with you to formulate an insurance package fit for your business.

Our insurance options for retailers include:

• General Liability.
• Property Coverage.
• Crime Insurance.
• Umbrella Coverage.
• Business Interruption Insurance.

Convenience & Grocery Stores

Specially insurance crafted for your business

BRIA Insurance & Risk Consultants provides insurance to convenience and grocery stores. Due to the variety of exposures related to these businesses and others, we offer and variety of coverage types and policies as outlined below.

Property coverages building

BRIA’s property coverage for buildings includes:

• Buildings themselves.
• Canopies.
• Gas pumps.
• Underground tanks and piping.
• Car wash bays.
• Appurtenant structures.
• Permanently installed machinery and equipment.
• Exterior glass.

Business personal property

Coverage for business personal property form BRIA includes:

• Furniture, fixtures, machinery, equipment, and stock.
• Improvements you’ve made as a tenant.
• Outdoor signs.

Business income

Policies for business income from BRIA can be customized to include:

• No waiting period.
• Ordinary payroll with options to increase 360 days.
• Actual loss sustained.
• Increased period on indemnity.
• Extra expenses and actual losses sustained.

Additional coverages

BRIA also offers additional coverages including:

• Back up of sewer and drain water.
• Increased cost of construction.
• Spoilage from power outage.
• Equipment breakdown.

Increased limit coverage options

For those in need of increased limit coverages, BRIA can provide protection for:

• Crime coverage.
• Employee dishonesty.
• Property in transit.

Liability coverages

BRIA’s liability coverages include:

• PST/UST for TCEQ Compliance (Pollution Liability for underground storage tanks).
• Premises/operations.
• Personal and advertising injury.
• Tenants property damage legal ability.
• Products/completed operations.
• Medical payments/sub-limits.
• General aggregate limit applies per premises.
• Automatic “additional insured” status for those specified.
• Liquor liability.
• Hired and non-owned auto.

Life & Health

BRIA’s life and health offerings include:

• Life.
• Medical.
• Dental.
• Vision.
• Disability.

Other coverages

Additional coverages offered by BRIA to storeowners include:

• Ordinance or law.
• Retail PLUS Endorsement.
• Pollution clean-up and removal.
• Group Occupational Accident.
• Workers’ Compensation.
• Umbrella.
• Management liability.
• Cyber liability.
• Transit.

Contact a representative at BRIA Insurance & Risk Consultants to go over these and many other insurance options for retailers.