Brewery Insurance

Business Insurance for Breweries

Specialized Coverages for Breweries

• General Liability

  General Liability Insurance is a fundamental coverage for breweries, providing protection against a wide range of potential third-party claims. This type of insurance can help cover legal costs and settlements or judgments if someone is injured at your brewery, such as a visitor slipping and falling on a wet floor in your taproom, or if your business is found responsible for property damage. General Liability Insurance also extends to incidents that occur off-premises, like if your brewery participates in a local festival and a tent pole damages a parked car. Additionally, this coverage can protect your brewery against claims of personal injury, such as libel or slander, and advertising injury, which may arise from your marketing materials or social media presence. Without General Liability Insurance, your brewery could be left paying these expenses out of pocket, potentially jeopardizing your financial stability and ability to continue operating. As a brewery owner, investing in General Liability Insurance is a critical step in protecting your business, your assets, and your peace of mind.

• Workers Compensation

  Workers' Compensation Insurance is a vital coverage for breweries, as it provides protection for your employees in the event of a work-related injury or illness. This type of insurance is typically required by law in most states and can help cover medical expenses, rehabilitation costs, and a portion of lost wages for employees who are hurt on the job. For example, if one of your brewery workers accidentally burns themselves while handling hot equipment or slips and falls while carrying heavy ingredients, Workers' Compensation Insurance would help cover their medical treatment and provide income replacement while they recover. This coverage can also provide death benefits to the family if an employee tragically loses their life due to a work-related incident. By carrying Workers' Compensation Insurance, you're not only protecting your employees but also shielding your brewery from potential legal action and financial losses associated with workplace injuries. As a brewery owner, prioritizing the safety and well-being of your staff is crucial, and having Workers' Compensation Insurance is an essential aspect of meeting that responsibility.

• Commercial Property

  Protecting your brewery's physical assets and investments from potential risks is crucial for the long-term success and stability of your business. Commercial Property Insurance is an essential coverage that can help safeguard your brewery's buildings, equipment, and inventory in the event of damage or loss due to covered perils such as fire, theft, vandalism, or natural disasters. For example, if a severe storm causes a tree to fall on your brewery's roof, resulting in damage to your building and brewing equipment, Commercial Property Insurance would help cover the costs of repairs and replacements. This coverage can also extend to protecting your brewery's furniture, fixtures, and outdoor signage. Additionally, some policies may offer business interruption coverage, which can help replace lost income if your brewery is forced to close temporarily due to a covered loss. As a brewery owner, investing in Commercial Property Insurance is a proactive way to manage risks and ensure that your business can recover from unexpected setbacks.

• Commercial Auto

  If your brewery relies on vehicles for deliveries, transportation, or any other business-related purposes, Commercial Auto Insurance is a crucial coverage to consider. This type of insurance protects your brewery's vehicles and drivers in the event of an accident, theft, or damage. For example, if one of your delivery drivers accidentally rear-ends another vehicle while transporting kegs to a local restaurant, Commercial Auto Insurance would help cover the costs of repairs to both vehicles and any medical expenses for injured parties. This coverage can also extend to protecting your brewery against legal liability if your driver is found at fault for an accident. Additionally, Commercial Auto Insurance can provide coverage for vehicle theft, vandalism, or damage caused by natural disasters. As a brewery owner, ensuring that your vehicles and drivers are adequately protected is essential for managing risks and maintaining smooth business operations. Investing in Commercial Auto Insurance can provide peace of mind and financial security in the face of unexpected road incidents.

• Business Interruption

  In the fast-paced world of brewing, unexpected events can force your business to temporarily close its doors, leading to a loss of income. Business Interruption Insurance is a valuable coverage that can help protect your brewery against financial losses during these challenging times. For example, if a fire damages your brewing equipment and you need to shut down for repairs, Business Interruption Insurance can provide a lifeline by covering a portion of your lost profits and ongoing expenses such as rent, utilities, and employee salaries. This coverage can also apply in situations where your brewery is forced to close due to a covered peril at a neighboring business, such as a burst water main that floods your premises. By having Business Interruption Insurance, you can focus on getting your brewery back up and running without worrying about the financial strain of lost income. As a brewery owner, investing in this coverage can provide a safety net and help ensure the long-term viability of your business, even in the face of unexpected setbacks.

• Liquor Liability

  As a brewery owner, serving alcohol responsibly is a top priority, but accidents can still happen despite your best efforts. Liquor Liability Insurance is a critical coverage that protects your brewery against legal liability and financial losses stemming from alcohol-related incidents. For example, if an intoxicated patron leaves your taproom and causes a car accident, your brewery could be held liable for damages. Liquor Liability Insurance would help cover legal defense costs and any settlement or judgment against your business. This coverage can also apply if your brewery is accused of overserving a patron who later injures themselves or someone else, or if you face allegations of serving a minor. In today's litigious society, a single alcohol-related incident can result in a costly lawsuit that could jeopardize the future of your brewery. By investing in Liquor Liability Insurance, you're taking a proactive step to safeguard your business and ensure that you can continue crafting and serving your unique brews with confidence.

• Equipment Breakdown

  In the world of brewing, your equipment is the heartbeat of your operation, and any unexpected breakdowns can lead to costly repairs and lost production time. Equipment Breakdown Insurance is a valuable coverage that can help protect your brewery against the financial impact of these disruptions. For example, if your glycol chiller suddenly fails, causing your fermentation tanks to overheat and spoil a batch of beer, Equipment Breakdown Insurance can cover the cost of repairing or replacing the chiller, as well as the lost revenue from the ruined product. This coverage can also apply to other essential brewing equipment, such as bottling lines, kegging systems, and boilers. In addition to repair and replacement costs, some policies may also cover the expense of bringing in temporary equipment to keep your brewery running while repairs are being made. As a brewery owner, investing in Equipment Breakdown Insurance can provide peace of mind knowing that you're protected against the unexpected and can help minimize the financial impact of equipment failures on your business.

• Product Liability

  As a brewery owner, you take great pride in crafting high-quality, delicious beers for your customers to enjoy. However, there's always a risk that something could go wrong with your product, potentially leading to illness, injury, or property damage. Product Liability Insurance is an essential coverage that protects your brewery against legal liability and financial losses arising from claims related to your beer. For example, if a customer alleges that they became ill after drinking one of your beers due to contamination or improper packaging, Product Liability Insurance would help cover legal defense costs and any settlement or judgment against your brewery. This coverage can also apply if your beer causes property damage, such as a bottle exploding and damaging a customer's furniture. In today's increasingly health-conscious and litigious society, even a single product liability claim can result in significant financial and reputational damage to your brewery. By investing in Product Liability Insurance, you're taking a proactive step to safeguard your business and ensure that you can continue focusing on what you do best – crafting exceptional beers for your customers to savor.

• Contamination and Spoilage

  In the brewing industry, the quality and consistency of your ingredients and finished products are paramount to your success. However, even with strict quality control measures in place, contamination or spoilage can occur, leading to significant financial losses. Contamination and Spoilage Coverage is a specialized insurance option that can help protect your brewery against these risks. For example, if a power outage causes your refrigeration system to fail, resulting in the spoilage of a large batch of beer, this coverage can help compensate for the lost inventory and associated costs. Similarly, if a contaminant is discovered in your ingredients or packaging materials, causing you to recall a product, Contamination and Spoilage Coverage can help cover the expenses related to the recall, including disposal costs and lost revenue. This coverage can also extend to protecting your brewery against the financial impact of government-ordered shutdowns due to contamination concerns. As a brewery owner, investing in Contamination and Spoilage Coverage can provide an extra layer of protection for your business, ensuring that you can recover from unexpected quality control issues and maintain the trust of your customers.

Amazing Benefits for Brewery Operations

• Group Health Plans

  As a brewery owner, you understand that your employees are the backbone of your business, and offering competitive employee benefits can help attract and retain top talent in the industry. Group Health Insurance is a valuable coverage that can provide your brewery staff with access to quality healthcare while also helping to protect your business from the rising costs of medical expenses. For example, if one of your employees experiences a serious illness or injury requiring hospitalization and ongoing treatment, a Group Health Insurance plan can help cover a significant portion of their medical bills, ensuring they receive the care they need without facing excessive out-of-pocket costs. This coverage can also extend to preventive care, such as annual check-ups and screenings, which can help keep your employees healthy and productive. By offering Group Health Insurance, you're not only investing in the well-being of your staff but also demonstrating your commitment to creating a positive and supportive work environment. This can lead to increased employee satisfaction, reduced turnover, and ultimately, a more successful and thriving brewery business.

• Dental & Vision Plans

  In addition to offering Group Health Insurance, providing Dental and Vision Insurance can be a valuable way to enhance your brewery's employee benefits package. These coverages can help your staff maintain good oral and eye health, which can contribute to their overall well-being and productivity. For example, if one of your employees has been experiencing tooth pain, a Dental Insurance plan can help cover the costs of necessary treatments, such as fillings or root canals, allowing them to address the issue before it becomes more serious and potentially requires time off work. Similarly, if an employee needs prescription eyeglasses to perform their job effectively, a Vision Insurance plan can help cover the costs of eye exams and corrective lenses. By offering Dental and Vision Insurance, you're showing your employees that you value their total health and well-being, which can help foster a positive and loyal workforce. Additionally, these benefits can help your brewery stand out in a competitive job market, making it easier to attract and retain skilled employees who are passionate about crafting exceptional beers.

• Disability Coverage

  As a brewery owner, you know that your employees are essential to the success of your business, and protecting their income in the event of a disability is crucial. Disability Insurance is a valuable coverage that can provide financial support to your employees if they experience an injury or illness that prevents them from working. For example, if one of your brewers suffers a back injury while lifting heavy bags of malt and is unable to work for several months, Disability Insurance can help replace a portion of their lost income. This coverage can provide both short-term and long-term benefits, depending on the nature of the disability and the specific policy. By offering Disability Insurance, you're helping to ensure that your employees can maintain their financial stability even if they face an unexpected health challenge. This can provide peace of mind for your staff and their families, as well as demonstrate your commitment to their well-being. Additionally, offering Disability Insurance can help your brewery attract and retain top talent, as it shows that you value your employees and are invested in their long-term success.

• Life Insurance

  Offering Life Insurance as part of your brewery's employee benefits package can provide a valuable safety net for your staff and their loved ones. This coverage can help protect your employees' families financially in the event of an unexpected death, ensuring that they can maintain their quality of life during a difficult time. For example, if a member of your sales team who is the primary breadwinner for their family passes away, a Life Insurance policy can provide their beneficiaries with a lump sum payment to help cover expenses such as funeral costs, outstanding debts, and day-to-day living expenses. This financial support can be especially crucial for families with young children or those who rely on a single income. By offering Life Insurance, you're demonstrating your commitment to the long-term well-being of your employees and their families, which can foster a sense of loyalty and appreciation among your staff. Additionally, providing this coverage can help your brewery stand out as an employer that truly cares about its workforce, making it easier to attract and retain top talent in the competitive craft brewing industry.

The Insurance Store is Your Trusted Partner for Brewery Insurance