Brewing has its fair share of risks. Ingredients and finished brews can spoil, tanks can get damaged, and freak accidents might happen then hurt employees and third parties. Insurance companies allow you to protect yourself through brewery insurance.
Brewery insurance is an insurance product that’s composed of several policies that cater to the risks common in brewing, such as tank leakage, spoilage of goods, equipment damage, and more. This comes in two types depending on what kind of brewer the policyholder is:
Craft brewery insurance
Craft brewery insurance is a type of specialized coverage for brewers who:
Brew no more than 2 million gallons of beer per year
Brew ales, stouts, porters, and other types of European beers
Follow set standards of beer production
If you’re not eligible for craft brewery insurance programs, then go for microbrewery insurance. This option is great if you’re a:
Brewer who produces 15,000 barrels of beer per year
You sell 75% of the manufactured beers through distributors
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Craft and microbrewery insurance programs allow you to avail any of these policies as a stand-alone protection or bundled coverage:
General liability insurance
Pollution liability insurance
Liquor liability insurance
Commercial auto insurance
Excess liability insurance
Employment practices liability insurance
Equipment breakdown insurance
Commercial property insurance
Product liability insurance
Spoilage and contamination insurance
General liability insurance for microbreweries and craft breweries covers claims for bodily injuries or property damage. Use this insurance when:
A sanitation inspector gets burned by equipment or experiences a slip and fall accident while checking the premises of your brewing facility
Employee negligence or equipment leakage resulted in the accidental release of harmful chemicals. As a result, people near and on the premises of your brewery got sick
The brewing keg exploded as an independent contractor was about to clean it. Because of this, the contractor demands you indemnify his injuries and property damage
When your business is liable for the bodily injury or property damage of clients, visitors, and other third parties, general liability insurance provides the money you can use to cover these:
General liability insurance provides $5,000-$15,000 medical treatment coverage if the claimant sustained bodily injuries
Property Damage Reimbursement
You can use general liability insurance to reimburse the claimant’s losses if his or her property got damaged due to an accident in your brewery.
You can use the funds of general liability insurance to provide compensation and settle things before the claimant decides to sue.
If the claimant refuses to settle and files a lawsuit, your brewery can use general liability insurance to pay for attorney fees, court filing fees, investigation fees, and other legal defense expenses.
If the case goes sideways, your brewery can use general liability insurance to cover the amount demanded by the court as payment for the claimant.
Insurance companies underwrite the general liability insurance for breweries broadly. And so, you enjoy these additional coverages from the policy.
Advertising Injury Coverage
The advertising injury coverage of general liability insurance covers settlements, defense costs, and court judgments if a claim is filed against your brewery for slander, libel, and copyright infringement.
Rented Premises Liability Coverage
If your brewery is renting and the space is damaged by fire, rented premises liability coverage will indemnify the losses of the landlord.
Hired/Non-Owned Auto Liability Coverage
Non-owned/hired auto liability coverage will take care of medical treatment expenses, property damage, and lawsuits if:
A vehicle your brewery hired to deliver goods causes an accident
A vehicle you borrowed from a friend, colleague, or another business causes an accident
An employee is using his or her own automobile to run an errand for your brewery and causes an accident
General liability insurance for breweries has a $1 million-$4 million per occurrence limit. The aggregate limit is set at $2 million-$5 million.
Purchase liquor liability insurance if your brewery has a bar, kiosk, or retail store where customers can buy the beverages you made. Use this when:
A customer sustains property damage or bodily injuries after getting drunk then blames your brewery for overserving alcohol
A drunk customer causes an accident or commotion that results in injuries or property damage for those who got involved. The victims then hold you liable for this
In connection, these are the costs that liquor liability insurance for breweries covers:
Medical treatment of the claimant
Refunds for the damaged properties of the claimant
Defense costs such as attorney fees, court filing fees, investigation fees, and more
Liquor liability insurance for breweries provides $300,000, $1 million, or $2 million coverage for each claim.
Pollution liability insurance is another important business insurance for breweries. This allows you to sort things out without incurring losses if:
Chemicals are accidentally spilled on the premises of your brewery, resulting in injuries and breathing problems for people nearby
Your brewery was hauling waste materials. The operator committed a mistake. The waste materials were sent to nearby properties, causing losses and killing local wildlife
Your brewery is releasing harmful fumes due to unattended equipment leakage. Those who live nearby suffered from discomfort and illnesses. Someone filed a claim because of this
So what particular costs does pollution liability insurance cover? This policy helps you take care of expenses for:
Medical treatments of the claimants
Refunding the damaged properties of the claimants
Pollution management and containment
Reversing the effects of the pollution caused by your brewery
Pollution liability insurance for breweries has a $50 million-$75 million per occurrence and aggregate limit. Note that sub-limits might apply. And so, it’s important to read the fine print of the policy.
Running a brewery smoothly is hard without employees. We suspect that you employ at least 5-10 people as a microbrewer or craft brewer.
Thing is, managing employees can have its own share of issues. And so, consider getting employment practices liability insurance (EPLI) that covers settlements, defense costs, and court judgments when an employee holds your business liable for:
Other acts that violate employee rights
Employment practices liability insurance provides $100,000-$1 million coverage for each covered peril. We recommend you purchase a $500,000 EPLI coverage for your brewery business.
Product liability insurance covers defense costs, medical treatments, and settlements if a customer files a claim because there are issues with the drinks from your brewery. Here are some situations where you’ll find this insurance useful:
A customer files a claim because the beer of your brewery caused a foodborne illness or disease
You were held liable for losses because your brewery incorrectly packed or labeled its products
You delivered a contaminated batch of beer to a client. And so, the client decided to file a claim to get compensation
Product liability insurance for breweries gives $1 million-$2 million coverage for each claim. But note that you can find insurance companies offering as little as $100,000-$500,000 coverage through the policy.
Excess liability insurance is another useful coverage for your brewery. But note that this doesn’t protect you from anything. Instead, it acts as a backup in case:
Your brewery’s liability insurance doesn’t have funds anymore and can’t cover further claims
Your brewery’s liability insurance lacks the funds to provide adequate coverage for claims
Your purchase this policy in $1 million increments. Excess liability insurance for breweries provides $1 million-$25 million coverage.
Commercial property insurance protects the tangible assets of your brewery in case something bad happens.
This insurance provides reimbursement if the brewing facility you own, lease, or rent is damaged or destroyed by:
Note that the coverage of commercial property insurance also applies on valuables inside or on the exterior of the brewing facility such as:
By the way, commercial property insurance doesn’t cover losses if these perils cause the damage or loss of your brewery’s property:
Normal wear and tear
The amount of commercial property insurance needed is equal to the value of your brewery’s property.
For example, if your brewing facility costs $150,000, then you must get commercial property insurance offering $150,000 coverage. Note that the commercial property insurance for most breweries has a $15,000-$1 million limit.
One of the costliest investments in your brewery is the tanks. If something happens to the tanks, then commercial property insurance might not provide coverage. And so, consider getting tank collapse and leakage insurance.
Tank collapse and leakage insurance will cover replacement or repair expenses if the tanks of your brewery become damaged or destroyed. Of course, the contents will be wasted if something happens to the tank. And so, the policy will also recoup your financial losses.
These are the common perils covered by tank collapse and leakage insurance:
Tank leaks as caused by operator error, accidents, and other uncontrollable occurrences
Bursting of the tank
Splitting of the tank
Don’t forget to purchase spoilage and contamination insurance for breweries. It will be very disastrous if you don’t have a countermeasure if ever the beers and raw ingredients spoil or get contaminated. Spoilage and contamination insurance will reimburse losses if spoilage or contamination is caused by:
Prolonged power outage
Malt mills, mash turns, filtration machines, and other brewing equipment will break down. Buy equipment breakdown insurance so that you don’t pay extra expenses through your brewery’s financial reserves.
Equipment breakdown insurance will cover repair or replacement expenses if brewing equipment becomes damaged or lost due to:
Commercial auto insurance is useful if your brewery owns and uses a pickup truck, flatbed truck, cargo van, or any other type of vehicle to deliver finished products to distributors.
This policy consists of numerous coverages that protect you against particular perils associated with utilizing a commercial vehicle. Common coverages in commercial auto insurance for breweries are:
Auto Liability Coverage
If the commercial vehicle of your brewery causes an accident, auto liability coverage will cover the medical treatment of the victims. This will also provide indemnification for property damage. Last but not least, auto liability coverage will take care of settlements, defense costs, and court judgments if the victims decide to sue.
Physical Damage Coverage
Physical damage coverage covers expenses if your brewery’s commercial vehicle sustains damage. Insurance companies offer this in two forms:
Collision coverage-Takes care of expenses if your brewery’s vehicle sustains damage after crashing into another vehicle or an object
Comprehensive coverage-Accounts for costs if your brewery’s commercial vehicle sustains damage due to fire, theft, vandalism, and other covered perils
Uninsured/Underinsured Motorist Coverage
Underinsured/uninsured motorist coverage will cover your medical treatment and refund losses if your brewery’s commercial vehicle got involved in an accident caused by a driver who isn’t insured or doesn’t have enough coverage.
As a brewery business owner, you must ensure that your employees, even if not numerous, get the necessary help whenever they need it. And so, see to it that you have worker's compensation insurance.
Brewery accidents come in different forms, such as amputations, electrocutions, chemical exposure, and carbon monoxide poisoning. When workers sustain severe injuries or illnesses that permanently affect their lives, they will sue if you don’t provide help. A court could order you to pay hefty compensation.
Workers' compensation insurance allows you to help injured or sick employees without spending money and avoid a costly legal fiasco. The following are what this insurance pays on your behalf:
Your employee will need immediate medical treatment/procedure upon experiencing amputation, electrocution, chemical poisoning, or other injuries and illnesses while working. Workers' compensation insurance will provide the money you can use to cover surgeries, therapies, and other required medical treatments/procedures.
Workers' compensation insurance will help in case your brewery’s employee needs to stay in the hospital. It will cover hospital bills no matter how costly and regardless if your employee needs to be hospitalized for weeks, days, or months.
Your brewery’s employee might need to take medications to fully recover from a work-related injury or disease. This too is covered by workers' compensation insurance. This insurance will give the money your employee can use to buy medicines.
Injuries or illnesses an employee sustains because of working in your brewery can be very severe and need rehabilitative care. Workers' compensation insurance covers this. In practice, the insurance will cover therapist fees, rehabilitation equipment, and other associated expenses.
You have to cover lost wages if an employee’s work-related injury or illness makes coming to work impossible. Workers' compensation insurance assumes this responsibility on your behalf by providing a weekly allowance.
The weekly allowance your employee receives will be equal to two-thirds or 67% of the average weekly wage. For example, if your injured or sick employee is a quality inspector making $2,500 per week, the weekly allowance from workers' compensation insurance will be $1,675.
Workers' compensation insurance provides death benefits if your brewery business’s employee dies from a work-related injury or sickness. To be specific, the insurance will pay for funeral expenses and provide financial aid to dependents
The average brewery insurance cost is $93.33 per month or about $1,119.96 annually for a $1 million general liability insurance
It is important to note that different factors influence the cost of brewery insurance. For example, the size of your brewery business could influence the total insurance cost. If you are an established brewery business with many employees, you could spend more on insurance. The location of your brewery also impacts cost. This is why it is essential to consider these factors when buying insurance.
In connection, here’s a table showing the rates of the best brewery insurance companies:
|Cost per Month||Cost per Year||Best for|
|NEXT||$80||$960||Best overall; Fastest general liability insurance for breweries|
|Tivly||$80||$960||Comparing brewery insurance quotes over the phone|
|CoverWallet||$85||$1,020||Brewery insurance quotes comparison online|
|Nationwide||$93||$1,116||Comprehensive brewery insurance program for established breweries|
Compare quotes to get the best coverage for your brewery at the most reasonable price. Click the “Get Quotes” button on this page to start.
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These are the best brewery insurance companies. Read some of the reviews below to know their pros, cons, and rate for a $1 million general liability insurance.
Issues an online proof of insurance instantly
Great customer service and reputation
Outstanding value for money
10% discount given if you bundle two or more brewery insurance policies
Couldn’t find any
NEXT offers brewery insurance in partnership with Tivly. Getting a quote is easy because this company will take you to a representative of its partner. Even though it doesn’t underwrite but only sells brewery insurance, work with NEXT to enjoy cheap rates, free naming of additional insureds, online proof of insurance, and more.
Best for: Best overall; Fastest general liability insurance for breweries
Average cost: $80 per month
Our rating: 10/10
Compare brewery insurance quotes from different companies and buy a chosen coverage immediately
Sells tailored craft brewery and winery insurance
Has live online insurance agents ready to help you out
Not an insurance company but an insurance broker
The best way to find the best coverage is to compare quotes, and CoverWallet helps with this. Use this insurance broker’s online quotes comparison platform to find and compare companies offering tailored coverages for wineries and craft brewers.
Nonetheless, CoverWallet sells its own tailored brewery and winery insurance that’s made up of its partners’ insurance solutions. The brewery and winery insurance from this company offers four insurance options-general liability insurance with products and completed operations coverage, general liability and commercial property insurance with equipment breakdown coverage, BOP with workers’ compensation insurance, and a custom plan.
Buying insurance from CoverWallet is very straightforward. All you have to do is provide basic information about your business, choose an insurance plan, pay for the initial premiums, and you’re covered. Once insurance is purchased, CoverWallet grants access to the MyCoverWallet app where you can pay premiums online. Also, if you think that CoverWallet isn’t a good fit, canceling a policy anytime is allowed.
Best for: Brewery insurance quotes comparison online
Average cost: $85 per month
Our rating: 10/10
Compare brewery insurance quotes over the phone
Responsive customer service
Call and get a tailored coverage for your business
You need to call to get a quote
Tivly (formerly CommercialInsurance.NET) underwriting appetite is broad and spans a wide array of industries. However, you need to call in order to know if the company can cover your brewery. Policies you can purchase from Tivly are commercial property, general liability, commercial auto, and other types of business insurance policies.
For starters, Tivly's general liability insurance provides $1 million-$2 million coverage. You can include equipment breakdown insurance in the language of the policy.
Call Tivly now to compare brewery insurance quotes over the phone
Best for: Comparing brewery insurance quotes over the phone
Average cost: $80 per month
Our rating: 10/10
Has a tailored business insurance program for brewers featuring enhanced coverages
Available in 46 states
Some customer reviews strongly disagree with the services of Nationwide
Nationwide’s brewery insurance program is a policy offering the inclusions we discussed above as enhanced policies. For example, the general liability insuranceprovides higher limits and protects vendors as additional insureds.
The best feature of Nationwide’s brewery insurance program is Asset Defense®. This is a specially underwritten coverage that fuses the protection provided by commercial property insurance and cargo insurance.
Best for: Comprehensive brewery insurance program for established breweries
Average cost: $93 per month
Our rating: 9/10
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!