How to start a brewery: insurance issue

How to start a brewery: insurance issue

Breweries are fast becoming commonplace in cities and towns across America. In fact, from 2021 the number of breweries in the USA will be reached 9,247-a 8% increase in comparison to the previous year.

If you too are considering starting your own brewery, there are many steps you need to take from a business perspective before you can get it off the ground. One of the most important steps is setting up your insurance plan.

In this article, we’ll look at the common danger areas that come with breweries and taprooms, and uncover the commercial insurance policies that can best protect you and your business.

5 Common Danger Areas in Breweries

In addition to the most obvious hazard areas, the following lists provide insight into some of the most overlooked – yet perhaps most important – hazard areas in a brewery production area.

#1 Grain Dust

The dust generated when crushing grain can be an airborne problem for you and your customers. This dust is hazardous when inhaled and can inflammatory diseases of eyes, nose and skin. Grain dust is also known to explode when subjected to ignition when it accumulates on equipment in an enclosed space.

Suggestion from headquarters: Provide a designated grain chopping area with good ventilation (or a dust collection system). Clean the area frequently to prevent build-up and train staff on proper safety precautions.

#2 Pressure Tank

During the brewing process, the conversion of wort into beer occurs in a pressure vessel — a vessel designed to hold materials at high temperatures. Although these vessels are an essential part of the brewing process, it is important to be aware of the hazards that can arise if they are not properly maintained.

According to that Occupational Safety and Health AuthorityCracks or other damage to the containers can cause leaks or ruptures. Such damage can result in short-term hazards such as poisoning, suffocation, fire, and explosion, as well as long-term personal injury and property damage.

#3 Cleaning Chemicals

Hygiene is an essential part of a successful brewing process, and many owners rely on cleaning chemicals to meet industry purity standards. Common chemicals used in brewery cleaning include acidic cleaners, caustic cleaners, trainline cleaners, disinfectants, and other specialty products.

However, using these products in the wrong order, in the wrong place, or in combination with one another can be dangerous. Be sure to maintain a Material Safety Data Sheet (MSDS) for each chemical and training all employees in proper chemical cleaning practices. This includes proper handling, storage and disposal of cleaning supplies and waste materials.

See also  Common misconceptions about disability insurance

#4 Lifting Injuries

Breweries, by their very nature, house a variety of heavy containers of liquids, malt, sacks of grain, and fruit. Avoid heavy lifting injuries by taking the right precautions when you or your employees move these items around your space.

These precautions include proper handler training, body protection such as braces and lifting aids such as B. two-wheel hand truck, ceiling keg lifts or electric keg lifts. You can also help reduce the risk of injury by aligning your manufacturing facility for efficiency and worker safety.

#5 Cleaning Practices

When cleaning tap lines and glassware, using the right cleaner can make a world of difference to both the safety of your customers and the flavor of your brew. Check with your supplier to find out which product is right for your brewery and always remember that a hot water rinse alone is not enough to kill germs and bacteria.

5 Brewery Specific Risks & How To Avoid Them

Whenever a new company is founded, special liability risks must be taken into account. However, these risks tend to occur in establishments where alcohol is served and consumed.

Below, we examine five of the most common risks associated with breweries and provide tips on how to avoid potential liability.

Risk #1: Overwhelm customers

Perhaps the most obvious risk at a brewery occurs when an employee overwhelms a customer. State specific legislation will hold your facility liable for continuing to serve alcohol to a visibly intoxicated guest if that person causes property damage as a result of their intoxication.

To avoid alcohol liability, it’s important your waiters are trained to tell the difference between customers who are simply enjoying themselves and those who have crossed a line.

The best course of action to avoid this type of risk is proper training. It’s important that your team is trained to recognize both obvious and subtle signs of poisoning and is supported by a culture that allows everyone in the company to speak up if they see anything of concern.

Try this: Consider signing up for a program such as Training for Intervention Procedures (TIPS) for providing cost-effective training. Insurance companies often offer such programs to their liability policyholders to mitigate these risks.

After completing the general training, be sure to establish and review your company’s personal code of conduct and the applicable laws of your state. Then make sure you communicate these rules clearly and frequently to all employees.

See also  Budget plans to manage your money in 2022 | King Price Insurance

Risk #2: Trip and fall hazard

The risk of a user tripping and falling onto your property is dramatic increases when alcohol is involved. Because of this, it is important that you take extra precautions to avoid these types of accidents.

Regular inspection of public areas should be part of your daily checklist. Be sure to search walkways both in daylight and at night to ensure nothing poses an additional risk and always ensure that outdoor walkways and gathering areas are clearly lit and marked.

If your brewery is located in a region of the country that experiences snow or ice during the winter months, it’s also important to consider yours snow clearance planas these common dangers can become particularly dangerous when mixed with alcohol consumption.

Risk #3: Entertainment & Gaming

Many taprooms offer guests some form of gaming entertainment. Whether it’s a children’s play area, table games, lawn games, or arcade games, this is often an appealing and cost-effective way to attract guests and encourage them to stay longer.

As simple as these games may seem, they can pose unique risks if not properly maintained. Check all items associated with the games regularly and repair or replace them as necessary. Consider age restrictions for games that could pose a risk to younger children, and be careful not to offer attractions that become more dangerous when alcohol is involved, such as lawn darts or bocce balls.

Risk #4: Water and Fire features

Some breweries offer access to fire pits, pools, hot tubs, or even things like bumper boats to keep guests entertained. Although these unique attractions can draw crowds, each carries a unique set of risks, especially when combined with alcohol.

Activities involving water increase the potential for Drown, and should always be supervised by a trained lifeguard. Exposure to fire can also result in burns and property damage.

If you intend to offer these types of features in your brewery, make sure you hire staff whose specific job is to monitor and, if necessary, restrict access to these activities. Oftentimes, intoxicated individuals cannot determine their level of intoxication, so it is important that someone responsible is present and responsible for safety.

Risk #5: Dispute on property

Physical violence can occur if two guests are drunk. Ideally, the risk of a physical altercation can be avoided by not overtaxing customers (see tip #1), but even the best planning cannot guarantee that customer arguments will never occur.

See also  5 life insurance benefits for pensioners

In these cases, the owner of the property can be held liable for the cost of personal injury and medical care if either party involved chooses to sue.

Because of this, it is important that you take steps to prevent fights on your property. This includes hiring a bouncer or other form of security to stop altercations before they escalate.

Keeping track of the general mood of the room is an important part of preventing fights before they start. If you sense a verbal argument developing between two guests, intervene as early and safely as possible to prevent things from getting physical. Always call for support if needed.

Insure your brewery with central insurance

For over 100 years, the central insurance has helped small businesses and breweries to protect themselves against such risks. We recognize the risk you are taking financially simply by investing in a new business and want to protect you from unexpected liability costs that arise from doing business.

Some of the most common types of insurance that our brewery policyholders choose are:

Commercial property insurance: Central’s various commercial real estate packages are designed to cover the cost of repairing damage that has occurred at your physical location. This is a common choice for brewers considering the risks involved in the brewing process and the potential harm that can result.

General liability insurance: This type of policy protects you from legal liability if someone is injured on your property. This coverage is critical for slip accidents or fights that occur in a brewery or on the property.

Labor Compensation Insurance: This insurance serves to ensure the safety of your employees and at the same time offers protection in the event of an accident at work. Considering the high risk of injury Attributed solely to the brewing process, many brewery owners opt for the security that this type of coverage offers.

Take the next step

Are you already insured with the head office? Contact your agent today to learn more about your coverage options. If you’re not already working with Central, Find a Central agent near you to get started.

Leave a Comment

Your email address will not be published. Required fields are marked *