Craft Brewery & Distillery Insurance
Crafter’sChoice is an exclusive insurance program, created by CapriCMW Insurance, in partnership with Northbridge Insurance, to meet the unique needs of craft brewers and distillers in BC, and provide comprehensive and flexible policies.
In addition to coverages found in typical Commercial Insurance policies, Crafter’sChoice includes these additional coverages:
Spoilage
Coverage for spoilage due to refrigeration breakdown while in transit or in storage, for up to 180 days, including connections and pipes.
Contamination and infestation
Coverage for loss of product due to alteration (e.g. malicious tampering), or if product is determined unfit for consumption by a regulatory body.
Public relations expense
Coverage for expenses incurred (e.g. advertising and public relations consultants) resulting from a negative incident.
Business interruption
Coverage for loss of profits due to disruption of premises utilities (e.g. heat, power, gas, water, or communications supply).
Brewmaster and Key Personnel Replacement
Coverages for expenses resulting from the need to replace key personnel due to death or permanent disability.
Breach of Contract
Coverage for fines, damages or penalties associated with a Breach of Contract. Bad batch Coverage for loss of, or damage to product while being worked upon (by you).
Resources
Personal Insurance
Video: What Policy Changes Can I Make Through ICBC's New Online Renewal Process?
CapriCMW's Auto Insurance Advisors explain the types of policy changes that you can make when renewing your insurance with ICBC online.
Personal Insurance
Video: Who is Eligible for ICBC's New Online Renewals?
CapriCMW's Auto Insurance Advisors explain eligibility criteria for ICBC's new online renewal process.
Personal Insurance
Wildfire Preparedness Tips to Protect Your Family and Your Home
Each year on average, there are 1,600 wildfires in BC. If you live in an area prone to wildfires, there are a number of steps you can take to effectively prepare and protect your family and your home.
Talk to an Advisor
Your CapriCMW Risk Advisor has highly specialized knowledge of your industry and is empowered to act quickly and independently to ensure direct, personal service.