Brewery Insurance
Brewery Insurance
Much like your perfectly brewed beer requires four main, high-quality ingredients: grain, yeast, hops, and water, a well-written brewery insurance policy needs to include the exact right components to protect your business.
We offer brewery insurance and related coverage for everything from microbreweries to large-scale brewing establishments, from brew pubs to local and regional distributors.
The kind of insurance you need depends on the size and scope of your business, your priorities, and the unique risks you face.
Options typically include:
- Commercial property insurance for your buildings and contents.
- Equipment and utility failure coverage, including protection for loss of business.
- Spoilage and contamination insurance for your inventory and ingredients.
- Protection for property and products in transit for distributors.
- Employee coverage includes worker's compensation, disability, and medical insurance.
- Employee dishonesty.
- Liability protections include employment practices, lawsuits, and compensation claims.
- Commercial vehicle insurance.
General Liability examples:
Premises (tasting room), off-premises (brew fest), slip and fall in the tasting room, tripping over a keg at a beer fest, fire in the brewery, and damage surrounding units or buildings.
Personal & Advertising Injury Examples:
Copyright/trademark infringement on another brewery's existing product. Libel or slander – denigrating competitors or other companies/people.
Products Liability & Claims Examples:
Anything you sell – beer, merchandise, etc. Defectively manufactured or defectively designed products: beer makes someone sick, glass in bottles, use of a poisonous ingredient in a recipe, failure to provide adequate warning or instructions, and peanuts in beer with no allergy warning label.
As your partner and advocate, our professional advisors start by learning every aspect of your business to recommend the best options for your business needs.
Ready to learn more? Contact us today.