Brewery Insurance
Brewery Staff Using Private Vehicles
Staff often grab a carton in their own car for a delivery, or pick up supplies on the way in. It feels harmless, but the insurance isn’t always straightforward.
Example
How cover can respond in practice
A taproom employee delivers a keg to a venue in their own car and has an accident. Their personal policy may not cover business use. Non-owned vehicle liability on the brewery’s policy may help, and workers’ compensation may apply to their injury.
What to think about
What to think about
Your liability as the employer, sometimes called non-owned vehicle liability
Workers’ compensation for injuries while driving for work
Goods in transit for the beer being carried
Reimbursement policies and records
Licence checks
Before you call
Questions to think about before you call
- 01
Do staff use their own vehicles for work?
- 02
How often and for what?
- 03
Do you reimburse mileage?
Brewery insurance
More brewery cover guides
FAQs
General advice only. It does not take into account your objectives, financial situation or needs. Read the relevant PDS and our Financial Services Guide before deciding.
Only if non-owned vehicle liability is included.
Often only for private use, not business.
Yes, and some businesses do. Write it into a policy.
Transit cover for the load may help.
Contact us
Want us to review your cover?
Tell us about your brewery or craft venue and we’ll come back with options. Prefer to talk? Call 02 8660 2305 or email admin@idealbrokers.com.au.