Breweries - AB Phillips

Crafted insurance for your crafted beer

What would you do if…

Your product was incorrectly packaged? Contaminated? A major retail partner withdrew your product from its shelves? Your machinery stopped working properly?

These are just a few examples of things that can go wrong, and why you need an insurance broker that understands your risks to ensure you get the right level of cover.

Craft beer is a specialist product and requires a specialist insurance solution.

AB Phillips understand the potential risks involved in crafting beer so we have ‘crafted’ our own specialist insurance offering to make sure our brewery clients have the right level of cover. We provide high quality cover which may include:

Property (including Theft up to $100,000)
Property in transit (up to $25,000)
Public and Products Liability (up to $20 million)
Product recall and contamination (up to $1 million)
Machinery breakdown (including bottling lines)

Our brewery insurance experts will discuss your requirements with you and recommend an insurance package to best meet your needs.

Full Claims Management Service

We have a specialist team of claims experts who will work for you in the event of a claim. They will work with you to protect your interests and minimize your exposure.

How do you manage HR, Workers Comp and Safety & Wellbeing issues?

All businesses that employ staff have human resources, workers compensation and safety & wellbeing needs and requirements. We can make this simple for you through our People Matters Advice service.

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Our People Matters Advice service is a dedicated telephone and email advisory service that provides unlimited professional advice in the areas of Human Resources, Workers Compensation and Safety & Wellbeing. People Matters Advice is a cost-effective solution for businesses that need occasional or frequent advice and don’t have dedicated HR, Workers Compensation or Safety & Wellbeing employees in-house.

What type of people matters can we assist with?

Human resources:

Performance management; legislative employment obligations; wages; salary & leave entitlements; terminations; grievances & workplace disputes.

Workers compensation:

Resolve outstanding claims; premium reduction strategies; injury management; premium funding; policy management; claims management; occupational rehabilitation and Return to Work.

Safety & wellbeing:

Early intervention & injury prevention; mental health first aid training; health monitoring & pre-employment screening; job safety analysis & safe work methods; ageing workforce management; workplace audits & compliance assessments.

Learn more about People Matters Advice here

What are the key insurances brewery business managers should consider?

The size of your brewery, how many employees you have, the type of product you brew and the machinery you use all factor into consideration when you are selecting insurance. They key insurances brewery business owners should consider are listed below.

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Workers Compensation Insurance

If you employ people you are legally required to take out Workers Compensation Insurance. It protects you (the employer) from the financial impact of your workers sustaining a work-related injury or illness. We provide Workers Compensation services to help businesses take control of their workers compensation program and ensure it's running efficiently and effectively.

Public and Products Liability

Two covers (often packaged together), that are essential to any business. Provides cover to you and your business against the financial risk of being found liable to a third party for death/injury, or property loss/damage, resulting from your negligence, and in connection with your business. Public liability is your protection against any claim lodged by a third party and covers expenses, costs and damages awarded to the third party. Products liability covers your liability for any product that you manufacture, sell, supply or distribute that results in injury, death or damage.

Property Insurance

Securing your business infrastructure is critical. Property Insurance covers damage to the insured property itself; and damage to, or theft of the property at your insured premises. Includes cover against all sorts of ‘extraneous perils’ such as storm, hail, fire and earthquake.

General Property/Mobile, Plant and Equipment

Covering mobile and portable items that can easily be damaged or lost outside the workplace. Ranging from laptops, specialist tools and equipment to excavators and cranes.

Business Interruption Insurance

If your business operations are interrupted, it could put significant financial strain on your business. Business Interruption Insurance covers the loss of business income due to interruption and is vital to ensure your business is able to continue to meet its ongoing costs and generate income despite having its operations interrupted.

Machinery Breakdown

Machinery Breakdown Insurance protects your business against the costs of repairs to broken machinery, and can be the difference in getting your business back up and running when it counts. More crucially, machinery breakdown insurance can also cover you against any financial losses to your business caused by that breakdown. Something that should be considered essential for any business that relies heavily on manufacturing, machinery or equipment. Also included is the electrical breakdown of insured equipment or computers and can extend to economic loss as a result of the insured asset.

Product Recall Insurance

Product Recall Insurance covers the costs associated with recalling a product from the market due to a defect, a malicious product tamper and/or product extortion. It can also extend to cover business interruption and costs associated with crisis management and public relations consultants to guide the insured through the first critical weeks of a recall. Additional extensions include accidental contamination causing bodily injury or property damage.