About WinStar Insurance GroupSince 1982, we understand your industry, value your time, and are committed to making the insurance process straight-forward and simple. You take pride in your craft. We take pride in ours. We provide Breweries & Brewpubs with property & liability coverage, equipment breakdown, product withdrawal reimbursement, commercial auto, workers comp and more. Having exclusive access to the BreweryPlus program in Texas since 2014, our coverages are designed exclusively to meet the unique needs of brewery owners, giving you the confidence that you are with the most reputable, comprehensive, and affordable insurance product available to assist you in quickly resuming operations after a loss.
Authorized Representative:
WinStar Insurance Group3420 Executive Center Dr., #301, Austin, TX 78731
512.448.9928 | www.winstarins.comAttn: Kash Sarkaria ([email protected])
DISCLAIMER: This literature is descriptive only. Actual coverage is subject to the language of the policies as issued. Your issued policy may contain limits, exclusions, and limitations that are not detailed in this brochure.
Property (including spoilage, contamination, and leakage)
Equipment Breakdown
Property in Transit
Mobile Equipment
Crime
General Liability
Liquor Liability
Employee Benefits Liability
Automobile
Excess Liability
Product Withdrawal
About BreweryPlus
General / Liquor Liability:• $1,000,000/$2,000,000Limits• SeparateLiquorLiabilityLimit• BroadNamedInsuredDefinition• SpecialEvents• BlanketAdditionalInsured• NoChargeforCertificates• PerLocationGeneralAggregate• FellowEmployeeCoverage• SeparationofInsureds
Property:• BlanketLimitforBuildings,
Business Personal Property,and Stock (described premises)
• BlanketLimitforCoverageExtensionsNoCoinsurancePenalty•
• ReplacementCostforBuildingsand Business Personal Property
• AgreedValue,ActualCashValue,and Market Price options for Stock
• Contamination(nosublimit) Solar Panels, Equipment, and Barrels•included as Covered PropertyUnnamed Locations (optional)• Earthquake Sprinkler Leakage (optional)•
Coverages Specific to Breweries:• PropertyinTransit• Leakage• MobileEquipment• DamagetoStock:
•On premises power failure•Off premises power failure•Nesting,infestation,ordischargeor release of waste products orsecretions, by insects, birds,rodents, or other animals
Coverage Extensions:• BusinessIncome• ExtendedBusinessIncome• ExtraExpense• CivilAuthority• TenantsLeaseholdInterestLoss• ElectronicData• PreservationofProperty• ContingentTransit
Additional Coverages:• NewLocationsorNewly
Constructed Property• DebrisRemoval• FireDepartmentServiceCharge• Collapse• WaterDamage,OtherLiquids,PowderorMoltenMaterialDamage
• PollutantClean-upandRemoval• DependentBusinessPremises• PropertyatOtherLocations• PersonalEffectsandProperty
of Others (other than stock)• OutdoorProperty• Trees,Shrubs,Plants,andLawns• Non-OwnedDetachedTrailers• Depositor’sForgery• OrdinanceorLawProvision• AccountsReceivable• ValuablePapersandRecords• MoneyandSecurities• EmployeeDishonesty• FireProtectionDevices• CostofInventoryorAdjustment• UtilityServices–DirectDamage• UtilityServices–BusinessIncome
and Extra Expense• ContractPenalties• ArsonReward• IndoorandOutdoorSigns• FineArts• WaterProcessing• PackagingErrors
BreweryPlus is a specialty property & liability insurance program providing comprehensive value to the craft beer industry. Our program is underwritten by an AM Best Rated ‘AVX’ carrier and distributed exclusively through hand-selected insurance brokers. These brokers specialize in, and are dedicated to, your passion and profession. Equally important, our broker partners are committed professionals who formulate insurance solutions that blend affordability, customization, and stability. Consider the advantages of BreweryPlus.
Coverage Portfolio Coverage Summary
*not providedthrough Alteris
Workers' Compensation*Workers' compensation coverage pays all reasonably required medical bills fora work-related injury, replaces lost wages and compensates the employee for permanent impairment caused by acompensable work-related injury, and protects employers against lawsuits by injured employees.
• UnintentionalErrors