Features of insurance of risks of the enterprises of alcoholic branch

The insurance companies have developed the complex program of insurance of the enterprises-manufacturers of alcoholic branch which includes such kinds of insurance, as insurance of property, cargoes, cars, and also insurance of responsibility of a commodity producer, insurance of expenses on a response of production and from a break in industrial activity.

The basic danger

For today each of stages of a logistical chain in the alcoholic industry represents certain risks for the consumer. Components of the end production realized by the manufacturer, such as, for example, bottles, stoppers, spirit additives-can be made by different legal bodies, be delivered from a different doomsday. Accordingly, there is a question: whether there is at the manufacturer at the enterprise a due monitoring system of quality of production? As practice shows, the reason of many risks consists that the manufacturer is necessary, as a rule, exclusively on such proofs of quality assurance of suppliers as certificates, licenses etc., and it, unfortunately, not always reflects a real condition of monitoring systems of quality of corresponding subjects, and is a guarantee of absence of losses.

We speak about what risks:

1. A tresspass of life and to health owing to occurrence of allergic reactions.
2. Hit in production of various foreign matters at a processing and manufacture stage. For alcoholic production a principal cause of losses, as a rule, is hit having chopped off from bottles in contents.
3. Inadequate packing, marks.
4. A poisoning and production infection-hit of various bacteria.
5. Other risk is ill-intentioned damage of the goods (both from the third parties, and from workers of the enterprise) which leads to a tresspass to the third parties, or creates such threat.

The alcoholic companies-manufacturers, importers, distributors-in the course of the activity can face claims of consumers to quality of made production. Insurance of responsibility of a commodity producer will provide protection of the insured in the cases connected with drawing of harm of life, health or property (including any straight lines and indirect losses) to the third parties. Here again it is important to underline that without dependence from, whether the owner of the goods the manufacturer, the manufacturer, the supplier or retailer is, he is obliged to compensate the harm caused as a result of realization of its production.

What is the insurance of expenses on production response?

Other not less important kind of insurance for the companies of the alcoholic industry is insurance of expenses on production response. Speech in this case goes about casual or ill-intentioned to production damage. Thus the response can be both voluntary, and compulsory. The insurance company defrays such expenses in case as a result of consumption of insured production harm of life and to health of the consumer is done or threat of causing of such harm is created.


Expenses on production response include:

— Cost of newspaper, journal or any printing messages (electronic or others), radio and television statements, and also cost of delivery of the departures necessary for realization of a response of production;
— A necessary cost of transportation and the accommodation costs directly connected with a response of production;
— Expenses for hiring of additional employees for realization of a response of production of the insured;
— Overtime regular employee of the insured for payment of the works connected with a response of insured production;
— Necessary expenses for rent of additional warehouse or places of warehousing for storage of withdrawn production;
— Cost of delivery of insured production from the buyer, the distributor or the consumer to a place defined insured;
— The expenses suffered for the purpose of correct recycling of unused packing and marketing materials on withdrawn production;
— Actual cost of destruction of insured production.


What is the insurance upon a break in industrial activity?

As a result of extreme events, such as the fire, acts of nature, etc., at manufacturing enterprises, as a rule, arises not only a damage connected with damage or loss of material actives, but also an activity stop. During time demanded for restoration manufacture to former level, the enterprise loses the income which it would receive if the damage hasn't come.

Solution of a problem of loss of the planned income is insurance about a break in the industrial activity, including:

— Operational expenditure / Constants (a salary, social deductions, tax payments, percent on credits, etc.);
— Profit loss (i.e. that profit which would be received during the period when lasted having rummaged in manufacture if insured event hasn't come).

Insurance of the enterprises of alcoholic branch becomes today very actual, being not only the guarantor of financial stability of the company, but also creating additional competitive advantages in the market. This aspect deserves unconditional attention.