Beer & Ale Wholesalers Insurance

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Operating a beer and ale wholesale facility is no easy job. From having to take care of your customers to ensuring the safety and well-being of your staff working on the premises of your business - there are many things you need to take care of.

And if an accident were to happen, which is often out of your control, without insurance in place - your business may be held liable and be ruled to pay the victim compensation out of pocket. That can really affect your company’s financial stability and general operations.

And as a result, beer and ale wholesalers are always recommended to take out insurance where needed.

How Much Does Beer & Ale Wholesalers Insurance Cost?

The cost of your insurance will depend on a number of factors including the size of your business and the level of cover you take out.

The average beer and ale wholesaler in the United States pays around $150 per month or $1,800 per year on general liability insurance. This policy will shield your business from any third-party bodily injuries and property damage.

On top of that, BOP or business owner’s policy insurance is also recommended, which can cost you around $120 per month or $1,440 per year. Such a policy not only combines general liability insurance and commercial property insurance but also provides cover in case your business property gets damaged.

As a wholesaler dealing with alcoholic beverages, you need liquor liability insurance. This policy costs the average wholesaler dealing with alcoholic beverages around $75 per month.

As for commercial auto insurance, which is required for wholesalers who have company vehicles, that policy will cost you around $250 per month or $3,000 per year. It provides cover not only for your staff and vehicle but also for any third-party involved.

If your wholesale business also employs staff, you need worker’s compensation insurance, which costs around $200 per month or $2,400 per year. This policy will provide financial cover in case your employees get injured or sick at work.

What Types of Insurance Do Beer and Ale Wholesalers Need?

Beer and ale wholesalers can take advantage of a number of different policies. Generally speaking, the level of protection you take out will be determined by the size of your business, the number of employees and company cars you have, the state you operate out of, and other similar factors.

Please take a look below for a more detailed overview of the best insurance policies for beer and ale wholesalers in the United States.

Why Do Beer & Ale Wholesalers Need Insurance?

There are a number of reasons why beer and ale wholesalers need insurance. One of them is that they simply need it in order to be legally allowed to conduct business and sell to other businesses and the public. But if you need actual examples, keep on reading.

Beer and ale wholesalers employ a lot of staff, which is constantly exposed to the risk of slips, falls, and trips, which can lead them to bodily injuries. If your wholesale business doesn't have insurance and the employee files a lawsuit against you, your business will have to pay out of pocket.

If your wholesale business delivers orders to customers in the local area, and one of your company cars gets into an accident - your company vehicle, staff, and the actual value of the products within the vehicle won’t be covered. This can lead you to a big financial burden, which you wouldn’t have otherwise had to go through if you had commercial auto insurance.

And for those reasons and more, having your beer and ale wholesale business insured from every angle is highly recommended.

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