Brewery Insurance

Brewery insurance is a type of insurance coverage specifically designed for breweries and microbreweries. It protects against various risks and liabilities that are unique to the brewing industry and as you read on you will acquire more understanding and benefits.

What is Brewery Insurance?

Brewery insurance is a type of insurance specifically designed to protect breweries and their operations from various risks and liabilities. However, running a brewery involves unique risks that are different from those of other businesses, and brewery insurance provides coverage for these specific risks.

Brewery Insurance
Brewery Insurance

Types of Brewery Insurance Coverage

Brewery insurance coverage typically includes a range of policies that protect various aspects of your brewery’s operations. Here are the common types of insurance coverage for breweries.

Property Insurance:

This coverage protects your brewery’s physical assets, including the building, equipment, machinery, brewing tanks, fermentation vessels, and inventory. It provides compensation in the event of damage or loss due to fire, theft, vandalism, or natural disasters.

General Liability Insurance:

General liability insurance protects your brewery against third-party claims for bodily injury, property damage, or advertising injury. It covers incidents that occur on your premises, such as slips and falls, as well as product-related claims resulting from the consumption or use of your brewery’s products.

Product Liability Insurance:

This insurance specifically covers claims arising from the consumption or use of your brewery’s products. It protects your business if a customer experiences illness, injury, or property damage due to a defect in your beer or related products.

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Liquor Liability Insurance:

Liquor liability insurance is crucial for breweries that have taprooms or sell their products directly to consumers. It protects your business from claims related to the consumption of alcoholic beverages.

However, if a customer becomes intoxicated and causes harm to themselves or others, this coverage can provide financial protection.

Workers’ Compensation Insurance:

In most jurisdictions, workers’ compensation insurance is mandatory for businesses with employees. It covers medical expenses, lost wages, and rehabilitation costs for employees who sustain work-related injuries or illnesses.

Business Interruption Insurance:

Business interruption insurance helps cover lost income and operating expenses if your brewery suffers a covered loss that interrupts its operations. This coverage can compensate for revenue loss due to events like fires, equipment breakdowns, or natural disasters, allowing you to continue paying bills and maintain financial stability during downtime.

Equipment Breakdown Insurance:

This coverage protects your brewery in case of sudden equipment breakdowns, which can lead to production delays and financial losses. Going further, it helps cover the cost of repairs or replacement of essential equipment, such as boilers, refrigeration units, and fermentation tanks.

Commercial Auto Insurance:

If your brewery operates a delivery fleet or uses vehicles for business purposes, commercial auto insurance is essential. It covers vehicles owned or leased by your brewery against damages, liability claims, and medical expenses resulting from accidents or collisions.

Cyber Liability Insurance:

As breweries increasingly rely on technology and digital systems, cyber liability insurance is becoming more important. Furthermore, it protects against data breaches, cyberattacks, and other technology-related risks that can compromise sensitive customer information or disrupt your brewery’s operations.

How to Get Brewery Insurance

To get brewery insurance, you can follow these general steps that have been stated below and also ensure they are correctly understood.

Understand Your Insurance Needs:

Start by assessing your brewery’s specific insurance needs. Consider the size of your brewery, the types of products you produce, your equipment, and any other factors that may require coverage.

Research Insurance Providers:

Look for insurance companies or brokers that specialize in providing coverage for breweries. Seek recommendations from other brewery owners or associations within the industry. You can also search online or consult with local business organizations.

Also, see: General Liability Insurance

Determine Coverage Types:

You should make sure that you are able to determine your coverage types and some of these types include;

Brewery insurance typically consists of several types of coverage. The most common ones include:

Property Insurance:

Covers damage or loss to your brewery building, equipment, and inventory.

General Liability Insurance:

Protects your business from claims related to property damage, bodily injury, or advertising injury.

Product Liability Insurance:

Specifically covers claims arising from the consumption or use of your brewery’s products.

Workers’ Compensation Insurance:

Required in most jurisdictions and provides coverage for employee injuries or illnesses.

Liquor Liability Insurance:

Essential for breweries with taprooms or those selling their products directly to consumers.

Obtain Quotes:

Contact multiple insurance providers and request quotes based on the coverage types and limits you need. Be prepared to provide detailed information about your brewery’s operations, revenue, and any past claims history.

Compare Coverage and Pricing:

Review the quotes you receive, paying close attention to the coverage limits, deductibles, exclusions, and premiums. Also, consider both the cost and the extent of coverage provided.

Consult an Insurance Professional:

If you’re unfamiliar with insurance terms or need assistance in understanding the policy details, consult with an insurance professional or broker. Meanwhile, they can help you navigate the complexities of the coverage and ensure you have adequate protection.

Purchase Insurance:

Once you’ve selected an insurance provider and policy that meets your needs, complete the necessary paperwork, provide any required documentation, and make the payment to secure your coverage.

Review and Update Regularly:

As your brewery grows and evolves, regularly review your insurance coverage to ensure it aligns with your current needs. Well, also update your policy whenever there are significant changes to your operations, equipment, or products.

Benefits of Brewery Insurance

Brewery insurance offers several benefits to protect your brewery business from potential risks and liabilities. Here are some key benefits of having brewery insurance.

Financial Protection:

Brewery insurance provides financial coverage in the event of unexpected incidents or losses. It helps protect your business from substantial financial burdens resulting from property damage, liability claims, product defects, or legal expenses.

Property Protection:

Property insurance included in brewery insurance policies safeguards your brewery’s physical assets, such as buildings, brewing equipment, fermentation tanks, and inventory. It covers repair or replacement costs if they are damaged or destroyed by fire, theft, natural disasters, or other covered events.

Liability Coverage:

General liability and product liability insurance protect your brewery from claims or lawsuits filed by third parties. If a customer sustains bodily injury, or property damage, or alleges illness due to your products, liability coverage can help cover legal expenses, settlements, or judgments.

Product Recall Coverage:

In the event of a product recall due to contamination or other issues, brewery insurance can provide coverage for the associated costs. This may include the expenses of notifying customers, retrieving products, product disposal, and potential loss of income during the recall period.

Liquor Liability Protection:

Liquor liability insurance is particularly crucial for breweries with taprooms or those selling their products directly to consumers. It helps protect your business from claims arising from the consumption of alcoholic beverages, such as accidents caused by intoxicated customers.

Business Interruption Coverage:

Brewery operations can be disrupted by unforeseen events such as fires, equipment breakdowns, or natural disasters. Business interruption coverage ensures that you have financial support to cover ongoing expenses, such as rent, salaries, and utility bills, during the downtime.

Workers’ Compensation:

If your brewery has employees, workers’ compensation insurance is typically required by law. It provides coverage for medical expenses, lost wages, and rehabilitation costs if an employee is injured or becomes ill while working. This coverage helps protect both your employees and your brewery from potential legal and financial consequences.

Customized Coverage:

Brewery insurance can be tailored to meet the specific needs of your business. Whether you have a small craft brewery or a larger production facility, insurance providers can offer coverage options that align with the size, operations, and risks associated with your brewery.

Peace of Mind:

Having brewery insurance gives you peace of mind, knowing that your business is protected against various risks. It allows you to focus on your brewery’s operations and growth, knowing that you have the necessary coverage in place.


In conclusion, brewery insurance plays a crucial role in protecting the financial stability and long-term success of breweries. Also, the unique risks and liabilities faced by breweries require specialized coverage that goes beyond standard business insurance policies.

Going further, by investing in brewery insurance, brewery owners can effectively manage and mitigate the potential financial impact of various incidents, accidents, and lawsuits that may arise during their operations.

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