Whether you’re a small business owner or managing a large enterprise, protecting your commercial property is crucial. But with various coverage options, it can be overwhelming to determine what you need. Here’s a quick guide to help you navigate the essentials: The right coverages are vital to ensuring your company’s risk is minimized. Consulting with […]
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The Workers’ Compensation Insurance Rating Bureau (WCIRB) has announced significant changes that will impact businesses in the food and beverage industry. Starting September 1, 2024, new insurance classifications will come into effect, promising more precise coverage and potentially better rates for businesses. Here’s everything you need to know about these changes, how they affect your
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If you run a business that sells or serves alcoholic beverages, you know first-hand how important it is to have liquor liability insurance, as this type of coverage can protect you from costly lawsuits and damages if an intoxicated customer causes harm to themselves or others. But did you know that the liquor liability insurance
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At Swarts Manning Spirits, we specialize in providing commercial insurance expertise and risk mitigation for the winery, brewery, and distillery industries. There are a number of unique risks in the spirits industry that require supplemental coverages in addition to the standard general liability, property, commercial auto, workers compensation, and umbrella policies. Crop coverage, contamination and
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The spirits industry is a complex and highly regulated industry that requires careful attention to detail when it comes to storage and transit of products. For businesses in this industry, there are several significant risks associated with having products in storage or transit. First of all, one of the main risks associated with spirits products
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Running a business involves a multitude of risks, but one of the most significant threats is equipment breakdown. Businesses depend on equipment to function properly and maintain a consistent revenue stream. Therefore, any breakdown could be a potentially devastating financial experience for businesses. However, with equipment breakdown insurance, you can cover yourself in the unfortunate
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As a spirits industry professional, you know that your business is built on a foundation of hard work, passion, and dedication. However, unforeseen events like fires, natural disasters, or other calamities can strike at any moment and cause significant financial loss. That is where property coverage comes into play. Property coverage is an essential component
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Owning a winery can present a variety of often overlooked risks that present serious threats to your business if they remain unaddressed. Producing wine is a delicate and intricate process that includes distinct threats to your business. By purchasing proper coverage and implementing good risk management programs, wineries can successfully reduce their exposures. When identifying
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