Alcoholic Beverage Manufacturers & Distributors

Learn More About Pak Insurance Programs Wineries, breweries, wine and liquor retailers and importers face emerging challenges as we continue to navigate the COVID-19 pandemic, record-breaking natural disasters and more. Now, more than ever, choosing a trusted partner who specializes in this niche is critical to ensuring a business has the comprehensive, quality coverage it needs, coupled with the customer … Read More

Wineries & Breweries

Learn More About Pak Insurance Programs Wineries, breweries, wine and liquor retailers and importers face emerging challenges as we continue to navigate the COVID-19 pandemic, record-breaking natural disasters and more. Now, more than ever, choosing a trusted partner who specializes in this niche is critical to ensuring a business has the comprehensive, quality coverage it needs, coupled with the customer … Read More

Medical Marijuana Crop Insurance

A medical marijuana dispensary must have a marijuana crop to sell. This unique crop is subject to the same hazards as any other crop in the specific area where it grows. This crop’s potential value adds a significant theft exposure. The crops’ value varies because some growers provide a generic crop while others use research and development techniques to produce … Read More

Bars

Property and liability insurance coverage on bars is difficult to place because ofhazards, loss history, and clientele. Bars may be located in urban high crime areas or in isolated rural areas that makes them theft targets because of the appeal of their liquor inventory and the day’s receipts. Many bars still permit smoking which can create an explosive situation when … Read More

Marijuana Cultivators

Cultivators are also known as producers or growers. They include nursery operations, planting, growing, harvesting, packaging, and transporting cannabis. Some growers specialize in cultivating specific cannabis strains. Once harvested, the plants are trimmed and cured (dried). Cultivation takes place indoors (in greenhouses) and outdoors. In addition to property and general liability coverages, other coverage issues involve workplace accidents, pollution liability … Read More

Wineries

Wineries are considered agribusiness and need coverage specifically designed for their unique exposures. Property insurance includes coverage on buildings; outdoor steel tanks or underground wine storage tanks; coverage for specified perils for grapes that are on trellises and vines; electronic data processing equipment; “all risks” type coverage for wine stock; and coverage for wine leakage from tanks and containers if … Read More

Marijuana Retail Dispensaries

Dispensaries are retail outlets that sell medical and/or recreational cannabis direct to consumers. Dispensary technically means a facility that prepares and makes medicines available. With more States authorizing adult recreational use and new medicinal use opportunities developing in multiple States, cannabis sales are projected to grow substantially in the next few years. Therefore, there’s a concern with the rapid addition … Read More

Marijuana Wholesale Distributors/Transporters/Secure Transportation

Wholesale Distributors and Transporters are businesses that purchase or contract quantities of cannabis from other licensed facilities and sell and transport products to licensed retailers, processors, and/or to other wholesalers. Product is stored in secure warehouses between transportation points or while pending sale. Wholesale distributors can also solely operate as secure warehousing and secure transporters. The workers compensation exposure can … Read More