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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.

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The Solution To Your Insurance Needs

Providing a variety of business insurance and personal insurance solutions is what Inclán Insurance Services, Inc. does best.

Our Insurance Specialties

Contractor Insurance

Brewery Insurance

Medical Office Insurance

Home Insurance

Auto Insurance

Renters Insurance

Women-Owned Agency.

Meet the Co-Owners

Third and fourth-generation insurance professionals. Over four decades of combined expertise. Here to help you.

Licensed in
California, Arizona, Nevada, and Oregon

We are proud to serve clients across California, Arizona, Nevada, and Oregon, as well as locally in SoCal, including San Dimas, CA, La Verne, CA, Claremont, CA, Pomona, CA, and Upland, CA.

Team - Pamela Zubiate
Pamela Zubiate
President
Team - Amber Inclán
Amber Inclán
Vice President

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

Our Clients Rely On Us

Check out our reviews and see why you should switch to Inclán Insurance Services, Inc.

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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.
Find Out How

Women-Owned

We have a true passion for empowering and uplifting women, putting an emphasis on serving and guiding women-owned businesses.

Digital Agency

We make insurance convenient and accessible with the personal connection and quality service you can only get from an independent agency.

Experienced Agents

We are proud to run the agency as third and fourth-generation insurance professionals, backed by decades of insurance industry expertise.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Brewery

Liquor Liability

Risk Factor

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.

Solution

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

Risk Factor

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.

Solution

Seek coverage for spoilage, contamination, and product recall to help offset the costs associated with these events.

Employment Practices Liability Insurance (EPLI)

Risk Factor

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.

Solution

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.

Equipment Failure

Risk Factor

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.

Solution

Mechanical breakdown is typically not covered under a commercial property insurance policy. Rather, obtaining systems breakdown coverage addresses this exposure.

Cyber Liability

Risk Factor

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.

Solution

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

Risk Factor

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.

Solution

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.

Premises Liability

Risk Factor

If open to the public, you are responsible for the well-being of visitors. This exposure is amplified if you offer brewery tours.

Solution

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

Risk Factor

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.

Solution

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.

Property

Risk Factor

Brewing equipment is a significant financial investment. Couple that with an above-average exposure to loss, and selecting the correct coverage here is critical.

Solution

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

Risk Factor

Automobile exposures are significant, especially if you handle your own distribution.

Solution

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.

Supply Chain

Risk Factor

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.

Solution

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.

Special Events

Risk Factor

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.

Solution

Make sure you have coverage that extends to any events in which you wish to participate.

Crime

Risk Factor

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?

Solution

Crime coverage can be obtained in your commercial property insurance policy, but coverage is very limited. Consider a standalone policy as well.

Bonds

Risk Factor

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.

Solution

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.

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Serving Southern California

We are proud to serve clients across SoCal, including San Dimas, CA, La Verne, CA, Claremont, CA, Pomona, CA, and Upland, CA.

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