Inclán Insurance Services, Inc.
Learn more about our agency.
To say that insurance runs in the family for the co-owners at Inclán Insurance Services is an understatement. As third and fourth-generation insurance professionals, the history of insurance goes back decades for Pamela and Amber.
Our agency started as a leap of faith, with a focus on serving local businesses and families across California statewide and throughout Arizona, Nevada, and Oregon, while providing a digital agency experience backed by personalized and professional service. We’ve done all that and more to make the insurance experience as it was meant to be: simple, convenient, and beneficial.
We have a true passion for empowering and uplifting women, putting an emphasis on serving and guiding women-owned businesses. We take the work we do seriously and strive to make everyone’s insurance experience positive and meaningful, with the peace of mind knowing you have a team that’s truly dedicated to your best interests.
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As an independent agency, we are here to help you find the right coverage.
Our Insurance Specialties
Meet the Co-Owners
Third and fourth-generation insurance professionals. Over four decades of combined expertise. Here to help you.
Real clients. Real reviews. Real coverage.
“I use them for my personal property and I own two companies that they insure. I wouldn’t trust anyone else with all my insurance needs.”
– Bryan Casey
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
- We represent multiple insurance companies.
- We are licensed insurance advisors.
- We are by your side every step of the way.
- We offer a wide variety of insurance solutions.
- We are there for you in your time of need.
We have a true passion for empowering and uplifting women, putting an emphasis on serving and guiding women-owned businesses.
We make insurance convenient and accessible with the personal connection and quality service you can only get from an independent agency.
We are proud to run the agency as third and fourth-generation insurance professionals, backed by decades of insurance industry expertise.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
If a patron is over-served at your establishment, you may be held responsible and liable for damages or injuries related to the patron’s intoxication.
Liquor liability insurance covers defense costs and damages to persons and property caused by intoxicated patrons. Training staff to recognize patrons who pose a liquor liability risk is a key risk control measure to consider.
Spoilage, Contamination, and Product Recall
If a batch of beer is contaminated or in some way unfit to serve, breweries have much to lose, including the cost of additional materials, production time, disposal of product, and loss of revenue. If the batch makes it to store shelves, it becomes even more costly, both in direct revenue and brand reputation.
Seek coverage for spoilage, contamination, and product recall to help offset the costs associated with these events.
Employment Practices Liability Insurance (EPLI)
It’s estimated that three out of five businesses will be sued by their employees. Companies are vulnerable during the pre-hire process, actual employment, and during a reduction in workforce. Claims can arise in any size operation. You can do everything right and still be sued.
Coverage comes in the form of a standalone policy. This coverage is critical to your risk management strategy as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.
There is a high risk of equipment breakdown in the brewery business. When machines don’t work, beer can’t be brewed. You lose valuable time and profits while repairs are being made.
Mechanical breakdown is typically not covered under a commercial property insurance policy. Rather, obtaining systems breakdown coverage addresses this exposure.
Customers or employees who entrust you with private information, such as credit card or social security numbers, put you at risk. If this data is lost, stolen, or compromised, you may be legally obligated to alert those affected by the breach.
Securing a cyber liability policy can cover expenses associated with compliance requirements, such as data breach notification, securing legal counsel to advise on incident response, credit monitoring services, public relations expenses, and paying for regulatory defense and penalties arising from privacy law violations.
Environmental liability exposures are not just for oil companies, nuclear power plants, and industrial mining operations. Breweries have wastewater and waste management concerns. Depending on the location of the brewery, previous use of property may also be an issue.
Strict liability laws apply to the brewing industry. Court-ordered injunctions, fines, and cleanup costs can be crippling. Almost all commercial liability policies contain some type of pollution exclusion. Coverage exists for this exposure through a standalone policy.
If open to the public, you are responsible for the well-being of visitors. This exposure is amplified if you offer brewery tours.
Given the possible hazards guests can be exposed to, it is important to keep tours confined to safe areas and preplanned routes. General liability insurance provides coverage for bodily injury, physical injury, or other personal injury related claims.
Workers' compensation coverage is required by law. There is high demand for craft beer, but demand can lead to haste. Haste leads to accidents, accidents lead to injuries, and injuries lead to increased workers' compensation costs.
Promoting workplace safety and managing exposures can significantly reduce the frequency and severity of workplace injuries. Proactively addressing high risk scenarios helps control workers' compensation costs.
Brewing equipment is a significant financial investment. Couple that with an above-average exposure to loss, and selecting the correct coverage here is critical.
Commercial property insurance will indemnify you for property damaged or destroyed due to a covered loss. Selecting an adequate limit of insurance that responds to as many perils as possible negates that risk.
Business Auto Insurance
Automobile exposures are significant, especially if you handle your own distribution.
Employees need to be trained and aware of the exposures associated with driving for the brewery. Business auto insurance provides coverage for damages arising out of the use of automobiles for business purposes. A fleet safety program is a critical risk management strategy.
As the brewing industry grows, supplies may become increasingly difficult or competitive to acquire. Making sure you have the adequate amount of Chinook hops for your spring seasonal can be the difference between having product to sell or not.
Diversifying suppliers, maintaining dialogue with back-up suppliers, monitoring the resource environment, and negotiating forward contracts can prevent disruption in production. Insurance coverage for contingent business income can be also obtained.
Breweries often participate in numerous events throughout the year. Many insurance policies contain what’s known as a designated premises endorsement. At a high level, this limits coverage to the premise named on the policy (the brewery). Participating in Craft Beer Expo or 5k Fun Run? Liability associated with events like those may not be covered.
Make sure you have coverage that extends to any events in which you wish to participate.
What do you do if one of your trusted employees is found guilty of doing something dishonest as it relates to his or her work with you?
Crime coverage can be obtained in your commercial property insurance policy, but coverage is very limited. Consider a standalone policy as well.
If a bonded brewery fails to pay taxes appropriately, the bond amount can be used to pay the owed taxes as well as any other fees that might accompany the unfulfilled payment.
The brewer's bond is the cost of admission. They are known by a number of names; alcohol tax bonds, liquor license bonds, ATF bonds, and TTB bonds, but they all perform the same function. Government agencies that regulate breweries require bonds to ensure all taxes are paid appropriately. A knowledgeable insurance provider can help you navigate the bonding process.
Brewery Insurance 101
Make sure you cover the unique risks you face with brewery insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.