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Learn About Barnes Insurance Group

At Barnes Insurance Group (BIG), we prioritize your insurance needs above all else. Our goal is to bring you a positive experience and coverage that protects what you love. Serving the Richmond VA, area and beyond, we are dedicated to serving our local region and the Mid-Atlantic with insurance solutions and service where it counts.

If you are looking for a simple, easy solution to your insurance needs, we’re here to make a big difference in your life. We take service to a whole new level, working to understand your needs while building personalized relationships that matter. Start your insurance journey off right by choosing us.

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We address your policy or claim questions with easy-to-understand answers.

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We listen and are proactive in understanding your changing needs, helping you find insurance to close coverage gaps.

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We are here to help you secure quality coverage at affordable rates to meet your insurance needs.

Insuring Homes, Cars, Motorcycles, Boats, Commerical Trucks, RVs, Classic Cars, and Loved Ones

We have offices in Powhatan VA, and South Boston VA. We are proud to serve clients locally and across the Mid-Atlantic region, including VA, NC, MD, WV, and Washington D.C.

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The Solution to Your Insurance Needs

Barnes Insurance Group offers a variety of business insurance, personal insurance, and life insurance solutions to help you 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.

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Our Clients Rave About Us

Check out our reviews and see why you’ll love your insurance rates with BIG as much as the level of service.

“Barnes Insurance Group has handled my business’s insurance needs for many years. Most requests are fulfilled within 24-48 hours! Everyone there is professional and lovely, but the business insurance staff is second to none!”

Candi Sheppard

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We offer a variety of commercial insurance by industry and business insurance options.

“I’ve been with Barnes Insurance Group since 2010. One word for this company: amazing! The staff is very polite, professional, caring, and works with you in a very timely fashion. The rates are very competitive with any other insurance group but the quality is second to none!”

Scott Kelly

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We offer a variety of personal insurance and life insurance options.

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