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Does Your Texas Winery Have Event Insurance?

February 11, 2026 , 0 0
Wineries have become some of the most sought-after event venues in the hospitality industry. Scenic vineyards, rustic barrel rooms, and open outdoor spaces make them ideal settings for weddings, private tastings, corporate retreats, and seasonal festivals. These events can generate significant revenue and attract new customers, but they also introduce risks that are often outside the winery’s control. If you are operating a winery in Texas, you are insured to operate that business. Your policy likely includes general liability, equipment breakage, crop insurance, liquor liability, and much more. But as wineries push to make events a key revenue stream in their bottom line, one often overlooked inclusion in a winery insurance policy is event insurance or event cancellation insurance. This type of coverage helps protect the winery from the financial losses that can occur when an event must be postponed, relocated, or canceled entirely. Why Event Cancellation Insurance Matters for Wineries Unlike traditional indoor venues, wineries rely heavily on outdoor spaces. Vineyards, patios, gardens, and open fields are beautiful event settings, but they are also vulnerable to weather and environmental conditions. This is Texas: a sudden thunderstorm, extreme heat, or unexpected flooding can make it impossible to safely host an... Read more
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More Common Myths About Auto Insurance

January 28, 2026 , 0 0
Auto insurance is something every driver needs. It helps protect you financially and gives you peace of mind whenever you’re on the road. Unfortunately, many drivers still believe outdated or incorrect information about how car insurance works. Believing these myths can lead to confusion or even costly decisions when choosing coverage. Let’s take a closer look at some of the most common auto insurance myths and the facts that prove them wrong. Myth #1: Red Cars Cost More to Insure You may have heard that red vehicles come with higher insurance premiums. In reality, the color of your car has nothing to do with the cost of your insurance. Car insurance companies typically calculate premiums based on factors such as the vehicle’s make and model, your driving history, your age, and where the car is located. The color of the vehicle isn’t considered when determining insurance rates. Myth #2: The Cheapest Policy Is Always the Best Choice It’s tempting to choose the lowest-priced policy available, but the cheapest option isn’t always the smartest one. Low-cost policies may offer minimal coverage, which could leave you exposed if you’re involved in an accident. Instead of focusing only on price, it’s important to... Read more
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UPDATED: Brewery Insurance 101

January 14, 2026 , 0 0
Depending the reports you read, some experts believe that 2026 will see the craft beer industry in dire straights. While it is true that there has been an increase in brewery closures in Texas and across the country, and sales as a percentage of market share are down, the overall story is more complicated than that. In 2026, the breweries that weather the storm of economic downturn won’t be the ones that put out the most popular bottles, it will be the ones that make the best business decisions. Running a brewery is 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. We’ve updated our Brewery Insurance 101 for 2026. Continue below to 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... Read more
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  • woman drinking some craft beer

The Risk Exposures Every Brewery Needs to Know

December 22, 2025 , 0 0
Craft breweries have exploded in popularity across Texas, transforming from niche passion projects into thriving small businesses. While the growth of the craft beer industry brings new opportunities, it also introduces a wide range of risks that many brewery owners underestimate. Behind every successful brewery is more than great beer—it’s a strong understanding of safety, compliance, operations, and financial protection. Recognizing these risks early allows you to strengthen your operations, protect your employees, and preserve the future of your brewery. Below are the major risk exposures craft breweries face and why the right insurance coverage is vital for long-term stability. Operational Hazards Inside the Brewery Every brewery, no matter its size, relies on intensive production processes that involve hot liquids, pressurized systems, and heavy machinery. These core components are essential for brewing quality beer, but they also create daily safety challenges. Boiling kettles, fermenters, and canning lines can cause burns, crush injuries, or equipment malfunctions when not properly maintained. Even small leaks or pressure inconsistencies can result in dangerous conditions, especially when employees work in tight spaces. Many new breweries don’t realize how quickly a minor equipment problem can escalate into a major loss—whether it’s property damage, worker injury, or... Read more
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  • bottles of wine on a counter

Insurance Coverage You Didn’t Know Your Winery Needed

November 24, 2025 , 0 0
When it comes to producing great wine, you also should protect the craft, the land, and the people who make it all possible. Whether you operate a small family vineyard or a growing winery with a tasting room, you face unique risks that standard business insurance simply doesn’t cover. From unpredictable Texas weather to equipment breakdowns, wineries need insurance designed specifically for the industry. Below are the often-overlooked types of insurance coverage your winery needs to stay protected, profitable, and prepared for the unexpected. 1. Vineyard & Crop Insurance Winemaking starts in the vineyard. But Texas growers know how unpredictable the climate can be. One unexpected freeze, hailstorm, flood, or drought can wipe out an entire season’s crop. Vineyard & crop insurance helps protect against: Weather-related losses Disease and pest damage Wildfire or natural disaster exposure Loss of vines and trellises Considering how costly a single lost harvest can be, this coverage is essential for long-term sustainability. 2. Equipment Breakdown Insurance Your winery relies on specialized equipment—fermentation tanks, pumps, crushers, chillers, bottling lines, and filtration systems. If any of these fail, production comes to a halt, and repairs aren’t cheap. Equipment breakdown insurance covers: Sudden mechanical or electrical failures Repair... Read more
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  • Beer from brewery

Safety Tips for Breweries

October 27, 2025 0 0
Running a brewery isn’t just about crafting great beer. It’s also about keeping your team safe every step of the way. With hot liquids, pressurized tanks, heavy equipment, and slippery floors, breweries can pose real risks if safety isn’t prioritized. The good news? With the right precautions, you can create a safe, efficient, and thriving workspace. Let’s explore essential safety tips every brewery should follow to protect employees, maintain quality, and ensure smooth operations. 1. Prioritize Personal Protective Equipment (PPE) Safety starts with proper gear. Make PPE a non-negotiable part of your brewery culture. Employees should wear: Safety glasses or face shields to prevent eye injuries Heat-resistant gloves for handling hot equipment Non-slip, waterproof shoes to avoid falls Hearing protection in loud production areas Encourage staff to check and replace worn PPE regularly. When employees feel protected, they work with more confidence and fewer accidents occur. 2. Keep Floors Clean and Dry Slips and falls are among the most common brewery injuries. Spilled beer, cleaning agents, and condensation can turn floors into hazards fast. Create a routine cleaning schedule and invest in anti-slip mats near frequently wet areas. Encourage employees to report spills immediately, and respond to them just as... Read more
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How to Save on Brewery Insurance Premiums in Texas

September 22, 2025 , 0 0
Owning a craft brewery in Texas is both rewarding and challenging. Between brewing unique recipes, hosting customers in your taproom, and keeping production running smoothly, it’s easy to overlook one of the biggest expenses: insurance. The good news? With the right strategies, you can protect your brewery and still keep your insurance premiums manageable. Here are five proven ways to save on brewery insurance without cutting corners on coverage. 1. Strengthen Safety and Risk Management Practices Insurance companies reward businesses that minimize risks. Breweries that invest in strong safety measures often pay less over time. Regular equipment maintenance, thorough employee training, and clear safety protocols can reduce accidents and claims. Even small improvements will make your brewery more attractive to insurers. 2. Bundle Your Insurance Policies Breweries typically need a mix of coverages: general liability, liquor liability, property protection, and workers’ compensation. Purchasing these separately adds up quickly. By bundling them into a customized brewery insurance package or a business owner’s policy, you simplify management and may unlock discounts from your provider. 3. Compare Quotes from Multiple Insurers Not all insurance providers treat breweries the same way. Rates, exclusions, and coverage options can vary widely. Don’t settle for the first... Read more
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  • Group of friends with glasses of beer

Brewery Insurance 101

August 25, 2025 , 0 0
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... Read more
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  • A bar tender

The Basics of Craft Beverage Insurances

July 28, 2025 , 0 0
To most consumers, a craft brewery, winery, or distillery looks like any other business. But from an insurance perspective, these operations come with highly specific risks and coverage needs. If you’re in the craft beverage industry, having the right insurance isn’t optional—it’s essential to protect your equipment, employees, products, and customers. At Arthur Blake Insurance, we specialize in custom insurance policies for breweries, wineries, and distilleries. We understand the nuances of the industry and tailor each policy to meet your unique needs. Here’s what you should know when building an insurance policy that works for your craft beverage business. Core Coverages Every Craft Beverage Business Needs Whether you’re running a taproom, tasting room, or full-service production facility, there are foundational coverages every operation should carry: Commercial Property Insurance – Protects buildings, inventory, and production equipment Commercial Auto Insurance – Covers delivery vehicles and employee drivers General Liability Insurance – Shields against legal claims from accidents or injuries Workers’ Compensation Insurance – Provides benefits for work-related injuries Business Interruption Insurance – Reimburses lost income during disruptions Product Recall Coverage – Handles the cost and impact of recalling contaminated or faulty products These essential policies serve as your first line of defense... Read more
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Should You Have Boat Insurance?

June 23, 2025 0 0
Who doesn’t love the warm sun, cool breeze, and a break from reality? One of the most relaxing activities in North Texas during the summer months is spending the day boating on one of the nearby lakes. When you’re a boat owner, you know what a big investment having a boat can be. Not only financially, but also the task of providing an awesome experience for yourself, your family, and friends on your boat. When it comes to that feeling of accomplishment, having boat insurance is worth every penny. But many might ask if insuring your boat is worth it, during the off-season. The answer is yes! Even when your boat is stored, there’s a lot that can happen to it. So we want to help ensure that your boat insurance policy is the best way to protect your investment year-round.  Is Boat Insurance Required? The legal answer is, no, boat insurance isn’t required by Texas Law, however, each marina is different, and some may mandate boat liability coverage. Other reasons you should choose boat insurance include liability, protection for your boat, and protection for your personal property. What Does Boat Insurance Really Cover? Don’t Hit the Water Without Knowing.... Read more