Brewery & Winery Insurance

With the explosion of craft breweries and increase in wineries nationwide over the last thirty years, it's important to consider the unique insurance risks involved in this rapidly emerging industry.

In addition to the General Liability and Commercial Property coverages that every business should carry, the following policies help protect against common exposures faced by craft brewers:

  • Boiler and machinery coverage: Many smaller breweries and wineries are not able to handle the production interruption caused by the loss of a key piece of equipment. This coverage can help with repair or replacement costs for damaged equipment as well as cover losses resulting from production interruption and downtime.
  • Spoilage and product recall: If a batch of beer is contaminated during the brewing or packaging process or spoils before distribution, a provision for spoilage can cover the initial production cost as well as lost revenue. If a contaminated batch isn’t caught before shipping and the beer makes it to store shelves, coverage for product recall can help offset the costs of removing the tainted product and replacing it.
  • Liquor liability: Regardless of whether you have a full service bar or offer beer or wine tastings after tours, liquor liability is essential to cover damages to persons and property caused by patrons who were over-served at your establishment.

The world of craft brewing is rapidly expanding as are wineries and tasting rooms, and as it does, insurers are becoming increasingly effective at identifying and addressing their diverse risks. New combinations and specially structured coverages are constantly being made available to breweries and wineries. By working with the experts at Bulen & Associates Insurance Services, you can be sure that you are being provided with the latest options in brewing coverage. Let us help you build a comprehensive package that will cover all of your exposures, no matter how unique.

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