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How can I participate?
Participating is easy. All you need is your current insurance policy to begin and a quick conversation with one of us. Typically insurance programs are reviewed 2-3 months prior to your expiration date. We explain the process and make it as simple as possible.
How easy is this?
We understand time is money. We have been brokers for years and know our job and the process. We are very accessible and help you every step of the way if needed.
Who is eligible?
Any microbrewery or brewpub in California or Arizona. We plan on offering this program in other States in a few years.
Why is the program better than my current one?
Your industry did not have a specific group program which was unfair considering almost every other field does. The program you have right now most likely does not offer you a specific group rating, benefit, or discount. We spent two years researching what brewery owners wanted in an exclusive program designed just for you.
What is the cost?
Every owner, depending on their loss history as well as several other factors, receives special credits. The program has been designed to be the most competitive. Cost aside, this program has a ton of special coverages designed especially for you which can't be found on any boiler plate policy. We developed this to be the most comprehensive.
What if I haven't opened my microbrewery/brewpub yet?
That is fine. It is always better to get a head start than to be rushing at the last minute. Please email us or call us at 415-680-2124 (for Joe) or 415-680-2125 (for Mark). We'll give you some easy answers.
But I already have insurance.
We would hope that you currently do. Your policy renews once a year and typically negotiations begin 2 - 3 months prior to your expiration date. Please email us or call us at 415-680-2124 (for Joe) or 415-680-2125 (for Mark) for further details.
Why was this program developed?
It seems as if every group out there has a program. Restaurants, roofers, manufacturers all have a group program, but no one put together a group program for microbreweries and brew pubs in California. We took the initiative and we want you, the owners, to benefit from our research and labor!
Why should I switch from my current program?
First of all, forget everything you know about the cost of insurance! Cost really doesn't mean anything when it comes to proper insurance coverage. The Golden Brew Program is designed for owners who want the most comprehensive policy available in California. Sure, the cost is extremely competitive, but we want to make sure that you get the absolute best coverage for your buck.
But I've never had a claim before.
That is excellent, however that is also why you purchase insurance. Insurance is for the unexpected. If we could predict when claims would occur the wise decision would be to only purchase insurance when you knew you'd have a big loss or lawsuit. We can not predict claims however we can make sure you have the best possible coverage in place in the event that there is a problem. Remember - just because you have an insurance policy doesn't mean that you are properly protected. Let the experts of the Golden Brew Program help you out.
Where is this insurance available?
The Golden Brew program currently offers business insurance coverage to microbreweries and brew pubs throughout California and Arizona. In the next few years, Golden Brew insurance will be eligible in Oregon, Washington and Nevada.
Copyright © 2001 Firkin Insurance
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