Monthly Archives: February 2013

Employee steals $15,000 in beer from employer

BottlesEmployee theft happens more frequently than most employers think and its not always money they are stealing. According to the Denver Post an employee of Avery Brewing Company has been arrested on charges of stealing approximately $15,000 in beer from the brewery. If this happened to you would your insurance cover the loss?

Contact me today for a review of your insurance program.

Split Point Change


The National Council on Compensation Insurance (NCCI) announced a change to the split point calculation startingĀ in most States on January 1, 2013. This change will affect your experience rating even if you have not had any claims.

Confused yet? These types of changes are why you need an experienced insurance agent that keeps up with changes in the industry and will work to help you understand how these changes will affect your business. Using software programs specifically designed to estimate changes in your experience rating I can predict the increase or decrease in your rating and estimate the impact on your insurance premiums.

Insurance is a complex and ever changing business, with 20 years experience in the business and a great support staff we will do our very best to service all your insurance needs. Contact me today to setup a review of your brewery insurance program.

Image courtesy of jscreationzs /

Convenience store to pay $15,000,000+

If you business is sued for millions of dollars where would it come from? Most liability insurance policies stop at one or two million dollars but you can purchase umbrella liability to protect against very large lawsuits like this one in Alabama.

Alabama jury awards $15,000,000

Umbrella liability is inexpensive and something all types of businesses should consider. Contact me today for a review of all your business insurance needs.


Weather Event Insurance

Snowstorm: A day after Christmas 2012

Photo Rights belong to Daveynin – click the image for more photos.

A blizzard warning has been issued for much of the North East and there is a major beer festival scheduled for this weekend in Boston. Many event planners overlook the impact weather can have on their event, all that planning, ticket sales, sponsorship revenues, etc can all be undone by mother nature.

Fortunately you can buy insurance for this and for indoor festivals it is surprisingly inexpensive. During the planning of your next event take a minute and think about what happens if a blizzard, hurricane or other major weather event causes travel delays or shuts down public transportation. Then contact me for options to transfer this risk to the insurance company.

As with all insurance policies there are limitations, exclusions and many factors that are used in the rating of the policy. I will help guide you to the best option for your event.

James Sanborn, CIC, CRM
New England Beer Insurance
A Division of GHM Agency