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 quote you receive—shop around. Better yet, partner with an insurance broker who specializes in breweries and understands the unique risks of Texas operations. They can negotiate competitive rates and find policies that fit your needs.
4. Demonstrate Risk Mitigation to Your Insurer
Going beyond basic safety can pay off. When you show insurers that you actively reduce risks they’re more likely to offer favorable premiums. Doing things such as quality control systems, fire suppression technology, or compliance with Texas alcohol regulations. Document your processes and share them with your insurance provider during renewal. Transparency helps prove that your brewery is a low-risk investment.
5. Review Your Coverage Every Year
As your brewery grows, your insurance needs evolve. Maybe you’ve added a food menu, started distributing statewide, or expanded your event space. Each change impacts your coverage. Reviewing your policy annually with an insurance professional ensures you’re not paying for outdated protections or missing essential ones. A yearly review is also a great time to ask about new discounts or programs that could lower your premiums.
Protecting Your Brewery Without Overpaying
Insurance is essential for every Texas brewery, but it doesn’t have to drain your budget. By investing in safety, bundling policies, shopping the market, showing risk reduction, and keeping your coverage up to date, you can keep premiums in check and focus on what matters most—brewing exceptional 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!