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Owning a brewery can present unique risks. Specialty brewery insurance combines elements of liquor liability insurance, property insurance, and general commercial insurance to develop one, simpler policy.
Insurance as unique as the beer you brew.
Getting adequate insurance for your brewery can feel like an overwhelming process, but a specialty policy can take the stress out of the situation. The key is choosing an insurer that understands the specific needs and risks you face and then offers a complete, customized package. You also need to remember some elements that are easy to overlook.
The risks your brewery faces.
The insurance your brewery needs depends on a variety of factors, including the size of your brewery operations, whether you serve food, if you give tours, or if you host events on your property. All of these elements come into play in addition to the brewing, selling, and serving of beer, which is why properly covering your risks is essential.
The importance of liquor liability coverage.
For example, as an alcohol producer, you need a liquor liability policy. This covers you against claims of damage caused by people who’ve consumed your brew. No matter how tenuous such claims may be, defending them can be a costly process.
Common coverages that you should have to help protect your business:
- Workers’ Compensation
- Automobile
- Property
- Professional Liability
- Directors & Officers
- Employment Practices Liability
- Pollution Liability
- General Liability
- Risk Management
- Loss Control
- OSHA Compliance & Reporting
- Claims Cost Containment
- Mod Analysis
How insurance benefits your brewery.
You must also make sure that your property insurance covers not just damage or destruction of equipment and stock, but also any lost profits, particularly if you’re out of action for a while. It’s also worth exploring options for coverage against having to withdraw or recall stock if you discover a safety risk or potential contamination.
The business side of your brewery.
And don’t forget other general commercial insurance elements such as workers’ compensation, employee claims, and liability for visitors to your premises.
For more details on how specialized insurance can protect your brewery, contact us today.
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