WINE STOCK THROUGHPUT POLICY Cover for wine exposures
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1 WINE STOCK THROUGHPUT POLICY Cover for wine exposures
2 WINE STOCK THROUGHPUT POLICY AT JLT, WE BELIEVE IN DOING THINGS DIFFERENTLY. Why? Because in the world of insurance broking, risk management, claims consulting and settlements, the only way we can develop solutions, which really deliver, is to fully understand all of the different challenges our clients face. And we know the answer does exist, no matter how difficult the question is. Our success comes from focusing on sectors where we know we can make the greatest difference. On using insight, intelligence, and imagination to provide expert advice and robust often unique solutions. And on building partner teams to work side-by-side with clients, our network and the market to deliver responses, which are carefully considered from all angles. Because of this approach, our clients trust us. They have total confidence in knowing the vital elements of their operations are covered, enabling their businesses to be even more ambitious and surpass expectations. We place over USD 2.9 billion of premium into the global insurance markets every year, giving us leverage to secure the best deal for our clients. This is not at the expense of the relationships with our markets though, and because of this, insurers are keen to underwrite our risks, develop new products with us and push the boundaries of possibility. We know how we work makes us different. It s quite a claim but we re driven to deliver on it every single day. JLT is one of the world s leading providers of insurance, reinsurance and employee benefits related advice, brokerage and associated services. We are specialists. Our deep expertise and entrepreneurial culture give us the insights, creative freedom and tenacity to go beyond the routine and deliver better results for our clients. Because at JLT, clients come first. We are quoted on the London Stock Exchange, have over 10,000 colleagues and own offices in 40 countries and territories. Supported by the JLT International Network, we service clients in 135 countries.
3 Cover for wine exposures WINE STOCK THROUGHPUT POLICY Our wine stock throughput policy provides coverage for wine inventory exposures together with domestic and marine transportation. The aim of this policy is to shift coverage from the insured s property policy into a marine cargo stock throughput policy. This product is specifically designed for vineyard owners, manufacturers, importers, exporters, distributors, wholesalers and retailers. Our cargo team are leaders in the London and International market and provide specialist programme design and transactional services to a broad spectrum of industries around the world by combining in-depth sector expertise with innovative claims solutions. EMERGING TRENDS* 6.8bn 93% 4.1% 137% Canada s wine industry is robust and growing, contributing $6.8 billion to the national economy. In 2014 the US and Asia accounted for more than 93% of Canadian wine export by value. Canadian wine consumption is expected to increase by 4.1 per cent to reach 16.4 litres per adult in Over the next five years, Canada s wine consumption growth rate will be twice that of the rest of the world. Exports of Canadian wine have grown 137% from $27.9mm in 2010 to $66.3mm in 2014.
4 WINE STOCK THROUGHPUT POLICY WHAT IS COVERED? Our wine stock throughput policy provides cover for the insured s import cargo (corks/labels/packaging/bottles/casks), inventory (wine in bottle/case and bulk wine), including raw stock/materials, work in progress, and finished product, as well as outward distribution to anywhere in the world. It is a single policy placed in the London and European marine Providing All Risks coverage, including war risks (whilst Suppliers of raw material (local or international) markets which comprises of waterborne/ airborne), strikes, riots, Lloyd s and certain insurance civil commotions and malicious companies with marine cargo damage risks, terrorism (during the expertise. course of transit) and bespoke cover It provides limits expressed as any one loss, any one location; with a location typically defined as tailored to each individual insured, which may not be covered under the property program, as follows: a building separated by at least 50 feet from the next location enclosing insured inventory. Contamination (the introduction into wines of substances, microorganisms, chemicals, toxic Finished product to market Transp produc Utilizing London and European marine insurance markets, as opposed to the traditional local property market, with capacity available up to USD 1 billion any one loss any one location, on a layered placement basis if required. substances, wastes or waste water in a concentration that makes the wine unfit for sale as intended), infestation and change in temperature is also covered Leakage from tanks or barrels and their component parts Employee Error WINE / GRAPES BOTTLES
5 Cover for wine exposures WINE STOCK THROUGHPUT CONCEPT Transportation of raw material Possible intermediary storage (owned/leased or logistics providers) Raw material into process (including storage, work on process and finished products) ortation of finished t to final destination Warehouse distribution (owned/leased or logistics providers) Transportation of finished products to warehouse CORKS LABELS PACKAGING BARRELS & CASKS
6 WINE STOCK THROUGHPUT POLICY POLICY BENEFITS SIGNIFICANT COST SAVINGS The marine market combine transit and stock which can be more competitive than separate traditional cargo and property placements. CAPACITY FOR CATASTROPHE PERILS Such as windstorm, flood and earthquake shock, where little may be available in the property market. REDUCTIONS IN DEDUCTIBLES Where the property deductible operates on a percentage of values basis, by removing the stock values. POLICY ENHANCEMENT Selling price on finished goods reducing the need for business interruption coverage within the property program. AVERAGE MONTHLY INVENTORY VALUES The marine market will rate on average inventory values exposed rather than maximum values. LIMITS The marine market will offer per conveyance and/ or location and potentially non-aggregated. LOCATIONS Bottling plants, blending buildings, tank storage and barrel/cask houses can be expressly considered as separate locations. PROFIT COMMISSION Insurers will reward vineyard owners for good loss record. BESPOKE WORDING To suit client s specific needs.
7 Cover for wine exposures CLAIMS EXPERIENCE We have dealt with approximately 25 wine claims over the last two years varying from transit losses to inventory. Our experience reaches beyond wine and into all kinds of spirits. We have vast experience in this field and an understanding of our client s needs when it comes to valuation of products that are, for example, in an ageing process. Our claims personnel are always involved in the technical development of a policy during the quote stage to ensure it meets the client s expectations in the event of a claim occurring. CASE STUDY 1 A forklift truck damaged a storage tank and there was a nasty wine spill. Our account managers happened to be in the area at the time and were able to meet with the loss adjuster to discuss the loss and strategize the handling of the claim. On that same day our London colleagues confirmed their appointment with London reinsurers due to the claims control clause and the investigation began within 24 hours of notification. The loss was collected from the market and paid within three months of notification. CASE STUDY 2 During a polar vortex in the USA, a temperature variation loss occurred. The damage varied from no visual damage at all, to popped corks and broken bottles. Working closely with the London insurers and the loss adjuster, the loss was paid within five months. This was a remarkable achievement given the level and breadth of the loss. Many shipments across the US were affected, but thanks to our one event deductible wording, and insurers agreeing that polar vortex was a single event, the claim was paid net of only one deductible.
8 CONTACTS JUSTIN CAMPISI Senior Broker, Global and Risk Management Clients +1 (416) JAY PAYNE Senior Partner, Cargo & North American Property +44 (0) KATHLEEN IGOE Account Handler, Cargo & North American Property +44 (0) Jardine Lloyd Thompson Canada Inc. Suite 800, 55 University Avenue Toronto, Ontario M5J 2H7 Tel +1 (416) Fax +1 (416) JLT Specilaty Limited The St Botolph Building, 138 Houndsditch London EC3A 7AW Tel +44 (0) Fax +44 (0) Jardine Lloyd Thompson Canada Inc is a member of the Jardine Lloyd Thompson Group. Registered Office: The St Botolph Building, 138 Houndsditch, London EC3A 7AW Registered in England No VAT No April 2016 REF *Source: Statistics Canada, CATSNET Analytics, Canadian Vintners Association
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