And Best Practices Allied Trade Member wwwregnierinsurancecom Regnier Insurance Since 1982 Specializes in insuring niche organizations Insure over 100 W ineries Breweries in Texas amp New Mexico ID: 529307
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Slide1
Safety Resources
And Best Practices
Allied Trade Member
www.regnierinsurance.com Slide2
Regnier Insurance
Since 1982Specializes in insuring niche organizations
Insure over 100 Wineries / Breweries in Texas & New MexicoCarrier: Argo Unlimited (AA+ Gold Rating)Dba
VFIS of Texas insures over 1,500 Volunteer Fire & EMS Departments in TexasSlide3
Workers Comp’
For EmployeesNot required in TexasCovers hospital and medical expenses necessary to diagnose and treat your injury. Also provides disability payments while employee is unable to work
Just because WC is not required, doesn’t mean you can’t be held labileFor EmployersPart 2 Employers Liability protects employer if employee or employee’s family member sues
Cost is based on your total $$ payrollLearn more about Workers Comp’Slide4
Independent Contractors
If independent contractor (band member, yoga, painting, etc.) hurts themselves, you are the owner can be held liableEstablish terms of the relationship by having them sign an Agreement stating you will not provide them with Workers Comp coverage
Sample AgreementSlide5
Hired & Non-Owned Auto
If you are using your own vehicle for Brewery purposes, your personal auto insurance responds first, followed by hired & non-owned coverageTexas State Minimum limits
$30,000 for each injured person$60,000 for injuries per incident$25,000 for property damageIf an employee is performing duties on behalf of the brewery and has an at fault accident, the brewery can get pulled into a suit. Hired & Non-Owned Auto coverage may be triggered.
Inexpensive (approx. $200 annual premium) Section F on ApplicationSlide6
Risk Reduction
New Employee Orientation (Checklist)
Control Brewery Access (lock, keypad, etc.)Proper signage denoting rules & off-limits areasSecure stacked items (kegs, cans, hops, malt)Serve beers over 9% in special glassesAll stairs have railings on open sides
Proper labeling on hazardous materialsMop up wet floors to avoid slipsEducate employees and Require Accident Reporting Form to be completed when incidents occurSlide7
Flood
Flood is NOT covered by most insurance carriersIt is usually a separate coverage and is oftentimes purchased through
NFIP (National Flood Insurance Protection). This is funded by the government and can be costly depending on where you are locatedTake precautions BEFORE potential flooding occurs
Have a plan Slide8
Partner With Your Agent
Your insurance agent is your partner. Use them for advice before you make changes, sign a new lease, purchase new equipment, rent a vehicle, hold a large festival, have volunteers “help you”, or do anything that may trigger your liability
Saved people money purchasing unnecessary insuranceNegotiate lease termsSlide9
3420 Executive Center
Dr
, Ste 301Austin, TX 78731
(512) 448-9928 | info@regnierinsurance.comwww.regnierinsurance.com
Kash SarkariaStephanie DewNancy Spear