Insurance Information

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Property and Casualty Insurance


NBWA is proud to endorse the BevCap Management, LLC property and casualty insurance program. BevCap was founded to write beer distributors’ property and casualty insurance and is offering a program with impactful endorsements and key coverage enhancements. Lines of business eligible for the program include worker’s compensation (available mono-line); auto liability and auto physical damage; and general liability.

The program includes loss control specifically tailored for NBWA members and enhanced distributor training opportunities.  In addition, the program allows the distributor’s current agent to retain control of their account and write this coverage at their usual commission rate, or BevCap can work with NBWA members directly to meet their insurance needs. 

Program coverage enhancements include:

  1. Limited product recall coverage
  2. Employment practices liability insurance
  3. Liquor liability, and hired auto physical damage
  4. Hired auto physical damage 

Additional benefits include:

  1. Twelve equal installment payment plan option
  2. Enhanced distributor training opportunities
  3. Industry-specific risk and loss control services
  4. The ability for distributors to work with their current agent

Limited Benefit Medical Plans 

Limited Benefit Medical Plans are also available in addition to the Workers’ Compensation, General Liability and Auto Insurance program that launched on September 1, 2011. The plans are guarantee issue Limited Benefit Medical programs that provide a wide array of first-dollar accident and sickness coverage, including specified benefits for doctor office visits, accident medical care, health screenings, in-hospital indemnity benefits, accidental death and dismemberment coverage and more. 

The mission is to add value at your worksite. This program has the flexibility to meet the needs of a full-time and part-time workforce as well as address the needs of those who need coverage for just their dependents. BevCap understands affordability and can accommodate an array of price points with flexible plan designs and pharmacy options. 

Coverage features include:

• Easy online, phone and paper enrollment methods

• More effective medical benefit options that allow companies to build on their benefit packages and remain “employers of choice”

• Vision plan – $20 Co-pay for exams and frames, $80 allowance for lenses/contacts

Each plan is completely customizable to meet your company's needs.


Dental and Vision Plans

NBWA and Ameritas Group are excited to announce that flexible dental and vision plans are now available to distributor members through the NBWA Insurance Program. 

With the affordable and flexible dental and vision plans, there is no need for changes in plan design for groups who currently have coverage.  Groups without coverage can choose from a selection of four plans unique to NBWA.  The plan also offers non-contributory, contributor and volunteer options.  With Ameritas designed plans, distributor members will receive a cost savings of up to 15% off stand-alone rates and benefits similar to those of a larger group.  For additional information concerning the plans, visit

Ameritas Group appreciates strong community relationships and wants to support the commitment distributors have to their local communities.   President of Ameritas Group Division, Ken VanCleave reported that Ameritas “created this program to help encourage those relationships, while giving these smaller groups an opportunity to take advantage of large group pricing and other unique benefits that might not otherwise be available.”

Coverage features include:

*Access to Ameritas’ PPO Network – plan members are free to receive care from any dentist they choose

*Dental rewards – a valuable feature that allows qualifying plan members to carry over part of their unused annual maximum

* Ease of understanding – there is no coinsurance involved in these plans, which each have their own schedule of maximum covered expenses for each procedure

For more information about NBWA-endorsed insurance providers, contact Coordinator, Member Programs & Meetings Maggie Graham at (800 300-6417 or


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