Insurance as unique as the beer you brew.

Getting adequate insurance for your brewery can feel like an overwhelming process, but a specialty policy can take the stress out of the situation. The key is choosing an insurer that understands the specific needs and risks you face and then offers a complete, customized insurance plan. You also need to remember some elements that are easy to overlook.

The risks your brewery faces.

The insurance your commercial or craft brewery needs depends on a variety of factors, including the size of your brewery operations, whether you serve food, if you give tours, or if you host events on your property. All of these elements come into play in addition to the brewing, selling, and serving of beer and alcoholic beverages, which is why properly covering your risks is essential.

The importance of liquor liability coverage.

For example, as an alcohol producer and brewery owner, you need a liquor liability policy. This protects your business against claims of damage caused by people who’ve consumed your brew. No matter how tenuous such claims may be, defending them can be a costly process.

How insurance benefits your brewery.

You must also make sure that your property insurance covers not just damage or destruction of stock, but also offers equipment breakdown coverage and any lost profits, particularly if you’re out of action for a while. It’s also worth exploring options for coverage against having to withdraw or recall stock if you discover a safety risk or potential contamination.

The business side of your brewery.

And don’t forget other general business insurance elements such as workers’ compensation, employee claims, and liability for visitors to your premises.

For more details on how specialized insurance can protect your brewery, contact us today.