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These companies distribute non-alcoholic beverages to retailers including bottled water stores, vending operations, drug stores and concessionaires. They may specialize in one type of beverage or distribute a variety of drinks. Beverages may include fruit juices, soft drinks and/or bottled water. Beverage distributors deliver products to retail outlets.

General Liability Insurance for Beverage Distributors – Beverage distributors that allow customers on site are at higher risk of premises liability claims. If customers are allowed to pick up beverages, specific areas should be designated for customer use. These areas should be well maintained and loading docks should be in good condition. If retail space is provided, care must be taken for merchandise to be secure on shelves to prevent shelving collapse and related visitor injuries. The shelving must be structurally sufficient and sturdy with the appropriate anchor systems or wall fastenings. Merchandise must be carefully stacked away from the edges with any heavier items stored on bottom shelves or on the floor. Products liability risks are increased when beverages are distributed that have a potential to spoil. These beverages should be properly dated and stored according to the manufacturer’s specifications. Items should also be clearly labeled for easy removal in the event of a recall.

Workers’ Compensation Insurance for Beverage Distributors – Employees may be injured when lifting heavy cases of drinks, loading and unloading vehicles, or delivering beverages. Warehouse workers and drivers should be screened for prior injuries and should receive training on proper lifting techniques to prevent back injuries. Employees working for beverage distribution centers should be in good physical condition. Physicals should be required on a regular basis. Injury may also occur during the use of machinery and equipment inside the warehouse. Employees should be trained in the correct ways to operate any lifting and conveying equipment. Employees should also be trained the proper use of hand trucks. Following the risk management practices that are outlined under the Business Auto section can reduce driver injuries.

Business Auto Insurance for Beverage Distributors – All drivers for beverage distributors must be well screened and maintain good driving records. Regular MVR checks should be enforced of all drivers. Drivers should be fully trained to operate the delivery vehicles and the vehicles should be in good repair at all times. Vehicles should be serviced often with documentation provided. Young drivers, shifting loads, and fatigued drivers, also increase business auto risks.

Property Insurance for Beverage Distributors – Beverages may be easily damaged or contaminated in the event of a fire, possibly resulting in a total loss. Refrigeration may be necessary for some types of beverages, such as fruit juices. In that case, refrigeration units for beverage distributors should be in working order and in good condition. All electrical equipment should be up to date with all older equipment being replaced. Electrical equipment should be grounded and should be connected to power outlets with double insulated wiring. Inland Marine risks are increased by the potential damage of the beverages while in transit.

Crime Insurance for Beverage Distributors – Crime risks at beverage distribution centers result from dishonest employees. Pre-employment hiring screening should be enforced with signed applications, reference checks, and background checks. Tight inventory controls should be in place to deter employee theft. Loading docks should be monitored closely and more than one person should be involved with shipping and receiving.