Brewery Insurance

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Brewery Insurance

Experience the true taste of success with Brewery Insurance – insurance designed for breweries by breweries.

Running a brewery is not just a business – it's a passion. As a brewery owner, you know that crafting it requires a lot of hard work, dedication, and creativity. However, many risks and challenges come with owning a brewery, such as equipment breakdowns, property damage, and legal liabilities. That's why having proper insurance coverage is essential for protecting your business and ensuring its success.

At Brewery Insurance, we understand breweries' unique needs and challenges. That's why we offer insurance policies designed specifically for breweries, with coverage options tailored to your individual needs.

Here are some of the reasons why you should choose Brewery Insurance for your brewery:

Craftsmanship: Just like you take pride in your craft beer, we take pride in our insurance policies. Our policies are crafted with care and attention to detail to ensure you get the coverage you need to protect your brewery.
Customizable Coverage: We understand that every brewery differs, and your insurance coverage should reflect that. That's why we offer customizable coverage options, so you can choose the coverage that best fits your brewery's needs.

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Business Property

Liquor Liability

Equipment Breakdown

General Liability

Surety Bonds

Business Property Coverage

Risk Factors

Your company’s property is often exposed to risks such as fire, explosion, storms, theft, wind, vandalism, and other natural calamities.

Solution

This protects a company’s physical assets, such as buildings, contents, stock, and inventory, from fire, explosion, storms, theft, wind, and vandalism. Additional coverage for floods, earthquakes, and other direct causes of loss may be advised.

Liquor Liability Coverage

Risk Factors

Liquor liability insurance, also known as dram shop insurance, protects the liability of businesses that serve, sell, distribute, manufacture, or supply alcoholic beverages.

Solution

Liquor liability coverage is excluded from commercial liability insurance for businesses that generate a profit from alcohol. Liquor liability coverage fills this gap caused by the exclusion.

Equipment Breakdown Coverage

Risk Factors

Equipment breakdown can be severe or debilitating to small craft brewers. By nature of the brewing process, high pressures build up during the fermentation process, which can cause improperly maintained storage tanks and vats to break down or explode.

Solution

Most policies broaden the definition of “building” to include all equipment used in producing beer and other craft beverages. In unexpected quality issues, product withdrawal expense coverage is also available. In addition, equipment breakdown coverage helps to cover repairs or equipment replacement costs of properties damaged by broken equipment.

General Liability Coverage

Risk Factors

CGL craft brewery coverage covers claims occurring on-premises and off-premises, for instance, a brew fest. Examples of brewery liability risks include slips and falls on-premises or tripping on equipment at a beer festival, fire damage, personal and advertising injury, and copyright infringement on another brewery’s existing product.

Solution

A commercial general liability (CGL) policy protects you from lawsuits or claims arising from negligent actions that cause bodily injury and property damage to others. Brewery liability insurance includes costs associated with damages and legal fees.

Surety Bonds Coverage

Risk Factors

If your bonded brewery fails to comply with the regulations, the bond amount can be used to pay the fine imposed or other legal expenses.

Solution

Guarantee your brewery’s integrity, honesty, and legal and contractual compliance.

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options.

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.

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