In a medium bowl, toss together the cheese and flour, set aside. In a small saucepan sauté the onion and garlic in the butter over medium heat until golden, add the beer or ale and cook an additional 5 minutes. Add the chicken broth, cooked rice, vegetarian seasoning, pepper and half of the apples. Bring to a boil, reduce heat and simmer, uncovered for 10 minutes.
Reduce heat to low then very slowly stir in the cheese until melted. Stir in cream or Half and Half to desired consistency. Cook an additional 5 minutes. Garnish with remaining chopped apple or sprinkle with a small amount of shredded cheese and onion and serve.