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Brewers require a mix of standard business and industry-specific coverages. Brewers need insurance with industry-specific coverages and services that address the unique needs of food manufacturers and processors from production to delivery. The specifics of the brewery insurance plan depend on the type of brewery (large brewery, microbrewery, craft brewery, etc.) and whether there is a tasting room, restaurant, pub, or other on-site operations like ax-throwing or lawn darts.
As a proud manufacturer of stouts, lagers, and ales, you, unfortunately, must also prepare your business for unexpected events that can damage property, suspend production, injure customers or employees, and cause serious financial distress. Consider the following scenarios:
A) A batch is contaminated or spoiled and must be destroyed or removed from the marketplace.
B) A customer is involved in an alcohol-related car accident after leaving your tasting room or brewpub.
C) Vital equipment or machinery unexpectedly breaks down, leading to property damage, loss of inventory or product, and extended downtime.
D) A customer, vendor or delivery person slips, trips, or falls on your property.
E) Guests on your property damage equipment or other business property.
F) Unfinished or completed beer leaks or spills from a storage tank.
G) Weather events, fire, theft, or vandalism damage or destroys your building(s) and its contents.
H) Beer in storage or in transit is damaged or destroyed.
As you can see, risks for a brewery can come from all different directions. And because each brewery’s needs differ from another, you may need to combine a few different insurance policies and endorsements to cover your business properly.
Whatever it is, you should be thinking about it when choosing your brewery insurance coverage. In any business, the things that happen that you didn’t prepare for can bankrupt your business without the proper coverage.
Brewery insurance has the right recipe of coverage to meet the unique needs of your business. Standard property and liability coverages can be customized and blended to create specialized protection that delivers peace of mind while you focus on your next product or output cycle.
Some of the types of coverages that you should consider
Property, Equipment Breakdown and Business Interruption Coverages
General Liability, Liquor Liability and Umbrella Coverages
Product Recall Coverage
Workers Compensation
Auto Insurance
Cyber Insurance
Inland and Ocean Marine Coverages
As your brewery grows, it will be important to regularly monitor your insurance coverage so that you have enough protection. For instance, buying more equipment and hiring more employees are likely to lead to higher insurance costs. Check in with us each time you’re looking at expanding your business.
Connect with us today to review your existing policies and see how much you could save on your insurance.
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