Brewery Insurance provided by Browne Insurance Services

The brewing industry is growing. With growth comes risk, including potential business interruptions due to equipment breakdown, contamination costs and product recalls.
What Is Brewery Insurance?

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 brewery insurance plan depends 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 axe-throwing or lawn darts.

Why Do Breweries Need Insurance?

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 batch is contaminated or spoiled and must be destroyed or removed from the marketplace.
  • A customer is involved in an alcohol-related car accident after leaving your tasting room or brewpub.
  • Vital equipment or machinery unexpectedly breaks down, leading to property damage, loss of inventory or product, and extended downtime.
  • A customer, vendor or delivery person slips, trips, or falls on your property.
  • Guests on your property damage equipment or other business property.
  • Unfinished or completed beer leaks or spills from a storage tank.
  • Weather events, fire, theft, or vandalism damages or destroys your building(s) and its contents.
  • 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 properly cover your business. 

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.

What Type Of Insurance Do Breweries Need?

Brewery insurance has the right recipe of coverages 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. Buying more equipment and hiring more employees, for instance, 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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As an independent agency, Browne Insurance Services
Helps you find the right Brewery Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

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  • Business Property
  • Liquor Liability
  • Workers' Compensation
  • Contamination and Spoilage
  • Equipment Breakdown
  • General Liability
  • Commercial Auto insurance
  • Surety bonds

Business Property Coverage

Risk Factors

Your company’s property are often exposed to risks such as fire, explosion, storms, theft, wind, vandalism and other natural calamities.

Solution

This protects a company’s physical assets such as buildings, contents, stock, and inventory, from fire, explosion, storms, theft, wind, and vandalism.  Additional coverage for floods, earthquakes, and other direct causes of loss may be advised

 

Liquor Liability Coverage

Risk Factors

Liquor liability insurance, also known as dram shop insurance, protects the liability of businesses that serve, sell, distribute, manufacture, or supply alcoholic beverages.

 

Solution

Liquor liability coverage is excluded from a Commercial Liability Insurance for businesses that generate a profit from alcohol. Liquor liability coverage fills this gap caused by the exclusion.

Workers' Compensation Coverage

Risk Factors

Workers’ Compensation, also known as Workers’ Comp insurance, is mandated by most states. A workers’ comp program is designed to replace wages and provide medical benefits, etc in case the employee gets injured.

 

Solution

A workers’ comp program is designed to replace wages and provide medical benefits, disability income or rehabilitation, and to pay expenses related to the injury covered to employees who suffer an injury regardless of fault on the job.

 

Contamination and Spoilage Coverage

Risk Factors

Contamination and spoilage losses are covered for losses due to such things where your raw materials stored in the cold storage are contaminated or spoiled due to a power cut.

Solution

The coverage will pay to replace the beer or raw material. It may also cover lost profits in the downtime related to repairing the problem that caused the contamination and spoilage losses

Equipment Breakdown Coverage

Risk Factors

Equipment breakdown can be severe or debilitating to small craft brewers. By nature of the brewing process, high pressures build up during the fermentation process, which can cause improperly maintained storage tanks and vats to break down or explode.

 

Solution

Most policies broaden the definition of “building” to include all equipment used in the production of beer and other craft beverages. In unexpected quality issues, product withdrawal expense coverage is also available. Equipment breakdown coverage helps to cover repairs or equipment replacement costs of properties damaged by broken equipment. 

 

General Liability Coverage

Risk Factors

CGL craft brewery coverage covers claims occurring on-premises and off-premises, for instance, a brew fest. Examples of brewery liability risks include slips and fall on-premises, or tripping on equipment at a beer festival. Fire damages to surrounding units or buildings. Personal and Advertising Injury, copyright, and trademark infringement on another brewery’s existing product. Protection for libel or slander, such as vilifying competitors or other companies or people, is included. 

 

Solution

A commercial general liability (CGL) policy protects you from lawsuits or claims arising from negligent actions that cause bodily injury and property damage to others. Brewery liability insurance includes costs associated with damages and legal fees. 

 

Commercial Auto Coverage

Risk Factors

Your driver while on the way to deliver products meets an accident, you become liable for the damages caused to your driver, your vehicle and the goods in transit.

 

Solution

This protect your brewers, drivers and other employees when they drive on company time.

 

Surety bonds Coverage

Risk Factors

In case your bonded brewery fails to comply with the regulations, the bond amount can be used to pay the fine imposed or other legal expenses.

Solution

Guarantee your brewery’s integrity and honesty, as well as your legal and contractual compliance.

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