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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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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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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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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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  • Wine on shelves of winery

What is Brewery, Distillery, and Winery Insurance?

September 18, 2023 , 0 0
In the world of craft beverages, where the pursuit of flavor perfection and craftsmanship reign supreme, unique risks and challenges accompany the artistry. Here, we explore brewery, distillery, and winery insurance. Specialized coverage is designed to safeguard these businesses from potential perils. In this article, we delve into what this insurance entails, why it’s essential, and the specific areas it covers. Understanding Brewery, Distillery, and Winery Insurance Brewery, distillery, and winery insurance is a comprehensive risk management solution. This solution is specifically tailored to the needs of businesses involved in alcoholic beverage production. These establishments face a myriad of risks, from property damage and product liability to industry-specific exposures. This insurance is indispensable for preserving the financial health and continuous operation of these businesses. Key Coverage Areas This specialized insurance typically encompasses various crucial coverage areas. Here are some of the critical aspects it addresses: 1. Property Coverage: It safeguards the physical assets of the business, including the production facility, equipment, and inventory. In cases of damage or loss due to fire, theft, or natural disasters, property coverage ensures the business can recover without significant financial setbacks. 2. Product Liability: Unique industry risks involve potential product-related issues. If a consumer... Read more
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  • Winery Insurance You Didn't Know You Needed - Arthur Blake Insurance

Winery Insurance You Didn’t Know You Needed

September 26, 2022 , , 0 0
Wineries are becoming popular in Texas. They can be a fun business to run, especially in Hill Country, but they are a business. To succeed, companies need to be run efficiently and correctly, so Arthur Blake is here to help. Wineries need a plethora of insurance coverage to cover all of their bases, and that’s why you’ve come to our blog! We’re going to tell you some of the insurance coverage options your winery needs, and for the complete list of coverage needs, don’t hesitate to contact Arthur Blake Insurance to speak with an agent.  General Liability Every business needs general liability insurance. It’s just a good option to cover the general issues that occur for businesses. General Liability insurance covers unexpected hazards, accidents, and other problems. It can also provide your winery with product and advertising liability coverage.  Contract Cancellation Coverage Let’s get to the more winery-specific insurance coverage you need. Contract cancellation coverage is one of those things. The winery business isn’t always consistent. You might not always be able to fulfill contracts you’ve created with a customer. That’s where contract cancellation coverage comes in. With this coverage, this insurance will pay for attorney fees and other costs... Read more
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Everything You Need To Know About Craft Brewery Insurance

July 21, 2021 , , 0 0
Now that COVID-19 cases are dropping and life is returning to normal, the craft beverage industry is exploding once again. Opening and maintaining a craft brewery can be advantageous, but it also requires hard work. One aspect that many new breweries often overlook is insurance. Just like any business, breweries need an insurance policy that fits their specific needs. Arthur Blake Insurance in Plano, Texas, provides new and existing brewery owners with a guide covering everything they need to know about craft brewery insurance. Why You Need Craft Brewery Insurance As we said above, every business, no matter the industry, needs insurance. While some businesses only need general commercial liability insurance, breweries need insurance that fits their unique needs. For example, craft breweries have much more expensive and special equipment when compared to other businesses. Like an insurance agency, for example. Who Needs Craft Brewery Insurance? Any business that brews and sells its craft beverages needs some form of craft brewery insurance. This includes: Craft Breweries Craft Distilleries Microbreweries Craft Ciders Essentially, if your business brews/distills a form of alcohol, you need craft beverage insurance. How Much Does Craft Brewery Insurance Cost? There are a lot of factors that play... Read more