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About Patrick DeNobrega

Pat DeNobrega specializes in property and casualty insurance. He was instrumental in designing the The ADA Property & Casualty Insurance Buying Program, developed to protect the unique interests of the mobility industry while meeting the specific needs of the dealer.

How to Craft the Right Insurance Policy for Your Brewery

Patrick DeNobrega • May 15th, 2017

There are about 5,300 active breweries today across the U.S. That’s the most ever — and the number has increased sharply in just the last 10 years.

If you’re a brewer, you already know this: The joy of brewing is not just about creating that perfect glass of ale; it’s also about seeing people enjoy it. It’s also about running and growing a business.

So how does a brewery grow? It opens its doors for tastings and tours. It goes on the road, setting up kegs at concerts, festivals, and trade shows; it delivers to stores. It starts serving food, maybe brings in live music. When I’m out talking to my brewery clients, this is often the kind of thing we discuss. How are you growing your business? And how do we protect you from the inherent risk that comes along with your growth strategy? Continue Reading

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Get control of your manufacturing insurance rates

Patrick DeNobrega • Oct 6th, 2016

Many of my manufacturing clients are interested in learning more about how their annual insurance premiums are determined and why their rates can vary significantly from year-to-year.

A number of factors impact your company’s rate. The two most significant factors considered by the insurance carrier’s underwriter include your historical loss experience and the inherent exposures associated with the nature of your daily operation.

Although it is hard to change the past or drastically overhaul your business, the good news is that there are a number of best practices you can implement today to mitigate your future exposures and minimize your losses. Below, I provide some practical steps you can implement to help manage the costs of your core business insurance policies.     Continue Reading

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