Craft Beverage Insurance Program

Comprehensive coverage tailored for craft beverage businesses.

Running a craft beverage business comes with unique challenges, from maintaining production quality to ensuring customer safety in tasting rooms and events. Whether you operate a brewery, distillery, winery, cider house, kombucha producer, or soda manufacturer, our Craft Beverage Insurance Program is designed to protect every aspect of your business. From equipment breakdowns and liquor liability to business interruptions and cyber threats, we offer a customized policy that aligns with your operations, helping you stay protected while focusing on creating high-quality beverages.

Key Coverage Areas

General Liability for Craft Beverage Businesses:
Provides essential protection for breweries, distilleries, wineries, and specialty beverage producers against claims of bodily injury or property damage. Whether a visitor slips in your tasting room, a guest is injured during a brewery tour, or a piece of signage falls and damages a customer’s car, this coverage protects your business from costly legal claims and medical expenses. lawsuits and liabilities.
Liquor Liability for Alcohol-Serving Establishment:
Critical for businesses that produce, distribute, or serve alcoholic beverages. This coverage protects against claims arising from intoxicated patrons who may cause injury, property damage, or other alcohol-related incidents. Even with responsible service practices, a business can be held liable for damages caused by an impaired customer, making this an essential safeguard for tasting rooms, brewpubs, and distilleries with on-site consumption.
Product Liability for Contamination and Recalls:
Ensures financial protection if a consumer experiences harm due to a contaminated, mislabeled, or defective product. Whether it’s a bacterial contamination, an undeclared allergen, or an improperly sealed bottle leading to spoilage, product liability coverage helps cover legal fees, recall expenses, and damages, ensuring your brand’s reputation and financial stability remain intact.
Property Insurance:
Safeguards buildings, brewing systems, fermentation tanks, storage facilities, and tasting rooms from damage caused by fire, theft, vandalism, or extreme weather events. For businesses that store valuable ingredients such as hops, yeast cultures, aging barrels, or specialty fruits, this coverage ensures that critical production components can be replaced without significant financial setbacks.
Employment Practices Liability Insurance (EPLI) :
Helps protect against claims of wrongful termination, workplace discrimination, harassment, or wage disputes. The craft beverage industry often relies on seasonal workers, tasting room employees, and distribution staff, which can increase the risk of employment-related claims. EPLI coverage ensures your business is protected against costly legal battles related to HR and employment disputes.

Equipment Breakdown Protection:
Covers the cost of repairs or replacement for key production equipment in case of unexpected mechanical failure. Whether it’s a brew kettle, canning line, refrigeration unit, or bottling machine, a sudden breakdown can halt production, spoil inventory, and lead to revenue loss. This coverage minimizes downtime by covering emergency repairs and replacement costs.
Business Interruption Insurance:
Helps cover lost income and operational expenses if your facility is forced to shut down due to a covered event such as a fire, natural disaster, or extended power outage. Since many craft beverage businesses depend on seasonal sales and continuous production, this coverage helps maintain financial stability by covering rent, payroll, and other fixed expenses while operations are restored.
Cyber Liability for Online Sales and Data Protection:
Protects craft beverage businesses from financial losses due to cyber-attacks, data breaches, or fraudulent online transactions. Many breweries, wineries, and distilleries sell products through e-commerce, manage customer memberships, or process reservations online, making them vulnerable to cyber threats. This coverage helps recover lost funds, restore customer trust, and cover legal or regulatory penalties following a breach.
Workers’ Compensation:
Provides essential coverage for medical expenses, lost wages, and rehabilitation costs if an employee is injured on the job. From brewery staff lifting heavy kegs to tasting room servers slipping on a wet floor, workplace injuries can occur in any setting. This coverage ensures employees receive the medical care they need while protecting the business from liability..
Commercial Auto Insurance:
Covers company-owned vehicles used for delivering products, transporting ingredients, or running distribution operations. Whether your business operates a single delivery van or a fleet of refrigerated trucks, this policy protects against accidents, theft, or damage while ensuring that both vehicles and goods are covered in transit.
Umbrella & Excess Liability Coverage:
Provides an extra layer of liability protection by extending coverage beyond the limits of primary insurance policies, ensuring financial security in the event of substantial claims.

Who Is This For?

This insurance program is designed for craft beverage producers of all sizes, offering protection for every stage of production, from sourcing ingredients to packaging, distribution, and customer-facing operations like tasting rooms and events.

Craft Breweries and Microbreweries:
Breweries of all sizes, from small-batch craft operations to large-scale production facilities, need coverage that extends to brewing, fermentation, packaging, and on-site taproom activities.
Wineries and Vineyards:
Wine producers operating vineyards, urban wineries, or boutique tasting rooms require coverage that protects everything from grape harvesting and fermentation to bottling, retail sales, and direct-to-consumer shipments.
Distilleries:
Craft distilleries specializing in whiskey, gin, vodka, and other spirits need insurance that accounts for barrel aging, storage, and high-proof alcohol handling.

Cider and Mead Makers:
Businesses that ferment apples, honey, or other natural ingredients into cider or mead require insurance for production, storage, and sales. Coverage also includes protection for tasting rooms, on-site food pairings, mobile cider bars, and farmers’ market sales.
Soda and Kombucha Producers:
Non-alcoholic beverage producers, including those specializing in soda, kombucha, or other probiotic drinks, need coverage for brewing and bottling equipment, product liability in case of contamination, and distribution risks associated with wholesale and direct sales.

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The Benefits of choosing this Program

Industry-Specific Protection: This program is tailored to the unique challenges faced by craft beverage businesses, ensuring that both production and service-related risks are covered.

Customizable Coverage: No two beverage businesses are the same. Whether you operate a small family-owned distillery or a large-scale brewery with nationwide distribution, we create an insurance plan that fits your needs.

Risk Management Support: From compliance with liquor laws to proper equipment maintenance and customer safety, our experts provide proactive strategies to help prevent risks before they lead to claims.

Fast & Responsive Claims Handling: Whether it’s product recalls, liquor liability claims, or employee injuries, our dedicated claims team works quickly and efficiently to ensure minimal disruption to your business.

Getting Started

Protect your business with the right insurance coverage

Protecting your craft beverage business starts with the right coverage. Contact us today to learn more about our Craft Beverage Insurance Program and how we can create a policy that meets your production, retail, and distribution needs. Our team of industry experts is ready to help safeguard your operations so you can focus on crafting exceptional beverages.

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