Running a brewery isn’t just about brewing bold flavors or perfecting your signature IPA—it’s about building a thriving business. Behind every pint poured sits an investment in equipment, staff, ingredients, and reputation. But with that investment comes risk. Fires, equipment breakdowns, lawsuits, or even a single customer claim could put your entire operation at risk. That’s where brewery insurance steps in.
In this guide to Brewery Insurance 101, you’ll learn why coverage is essential, what it protects, and how the right policy can safeguard the future of your craft.
What Is Brewery Insurance?
Brewery insurance is a specialized business insurance package tailored to the unique needs of breweries, craft beer makers, and taprooms. Unlike standard business coverage, brewery insurance addresses industry-specific risks like liquor liability, product recalls, and equipment breakdowns. It’s not just about protecting your property—it’s about protecting your business from unexpected setbacks that could shut down production.
Key Coverage Every Brewery Needs
When it comes to protecting your brewery, not all policies are created equal. A strong brewery insurance plan should include:
Property Coverage
Your building, brewing tanks, kegs, and inventory are the backbone of your business. Property coverage ensures fire, theft, or storm damage won’t wipe out your investment.
Product Liability
If a customer gets sick or injured after consuming your beer, you could face expensive lawsuits. Product liability coverage shields your brewery from claims and related costs.
Liquor Liability
Serving alcohol opens the door to risks like overserving or alcohol-related incidents. Liquor liability insurance protects your brewery from claims tied to the sale of alcohol.
General Liability
Accidents happen—even in the taproom. General liability protects against claims like slips, falls, or customer injuries on your premises.
Business Interruption
If a covered event forces you to pause operations, this coverage helps replace lost income, cover ongoing expenses, and keep your business afloat.
Equipment Breakdown
Brewing relies on highly specialized equipment. If your system breaks down unexpectedly, equipment coverage helps cover repair or replacement costs.
Workers’ Compensation
Brewing is physical work, and injuries can happen. Workers’ comp covers medical expenses and lost wages for injured employees while protecting your brewery from legal claims.
Why Brewery Insurance Matters
Breweries require significant investment in space, equipment, and staff—and risks are everywhere. A fire could destroy your inventory, a customer could file a claim after an incident, or a power outage could ruin thousands of dollars in product. Without proper brewery business insurance, one major event could end your operations permanently.
With the right coverage, you gain peace of mind knowing your business is protected. That means you can focus less on risks and more on what you do best: brewing incredible beer.
Trust the Experts at Arthur Blake Insurance
At Arthur Blake Insurance, we’re here to help your brewery stay protected and grow with confidence. Our experienced team of agents at Arthur Blake Insurance are awaiting to assist you! If you would like to learn more, contact us today at 972-954-6383. Let us help you secure better coverage at a price you can afford!