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Beverage Distributors

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The most cost-effective insurance program starts with a broker who knows your industry, has underwriting experience, and sees what others miss or ignore.

Joe Rueter is that broker. Here’s what Joe will do for you:

  1. Get personally acquainted with your business
  2. Design a custom insurance program protect your assets and save you money
  3. Lead an ongoing loss control program to reduce claims and continue to keep insurance costs down

Essential coverages

  • Building, including refrigeration equipment
  • Product recall
  • Business interruption, plus extra expenses
  • Utility interruption
  • Employee dishonesty and money and securities
  • Liquor liability with Assault and Battery coverage
  • Cyber liability with data breach
  • General liability with no tobacco products exclusion
  • Automobile liability for delivery and pickup
  • Contingent business interruption

Critical issues

  • Breakdown or ice and refrigeration units
  • Workers’ Compensation lifting claims
  • Hiring workers with pre-existing injuries
  • Loss of inventory due to stealing and robbery
  • Slip and falls

Questions insurance agents often fail to ask

  • Do you use any independent contractors?
  • Do you know that all employees, including family members, must be covered by Workers’ Compensation?
  • Do you have a backup generator? If so, credits are available.
  • Do you know you may qualify for dividend?
  • Are you a member of the Malt Beverage Distributors Association?
  • Does your insurance company give back to your trade association?
  • Do you belong to a local Business Commerce Association?
  • Do you have a Disaster Recovery Plan in place?

Rueter Insurance assurance

The Rueter Insurance approach avoids unintended consequences by recommending the correct coverages at a competitive cost. We accomplish this through attention to detail, asking the right questions, and marketing your account to insurance companies that respect quality work.

Would you like to learn more?

Contact Us