Getting adequate insurance for your brewery can feel like an overwhelming process, but a professional policy can take the stress out of the situation. You need to choose an insurance company that understands the specific needs and risks you face, and then they will provide you with a complete customized package.
Why do breweries need insurance?
Here are a few things to consider when looking for the right insurance coverage for your brewery:
- A batch of beer is tainted or spoiled and your brewery cannot sell it.
- Your business could face prosecution if a customer gets involved in an alcohol-related car accident after leaving your brewery.
- The unexpected failure of critical equipment or machinery, resulting in property damage, loss of inventory or product, and extended downtime.
- You need to pay for a customer, supplier, or delivery man who slips, trips, or falls in your brewery.
- Weather events, fire, theft, or vandalism can damage or destroy your building and interior equipment.
What Types Of Insurance Do Breweries Need?
Property insurance
Replacement cost insurance can be expensive, but if your brewery suffers a fire or other major damage, it can be difficult to rebuild with just the actual cash value. To keep your brewery running steadily and long-term, it may be worthwhile to invest in replacement cost insurance.
The general scope of liability
General liability insurance protects your brewery should someone trip and injure themselves in the brewery. General liability insurance not only protects against injury but also protects you should your product cause liability. For example, if your beer makes a customer sick, your general liability insurance will protect you.
Liquor liability insurance
Liquor liability insurance is a special type of insurance that protects you from what half the liability insurance doesn’t. General liability insurance may not apply if the claim is due to the sale of alcoholic beverages.
The cost of liquor liability insurance can vary due to several factors. If your liquor sales are greater than the sales you get from the rest of the business, your costs will be high. Some states may have different regulations for alcohol liability insurance, and these regulations can also affect the price of insurance. Remember, the insurer can play an important role in the price.
You may be in a situation where you are not sure whether it should be covered by general liability or alcohol liability, and it is recommended to use an insurance plan from the same company.
Assault and battery coverage
Generally, general liability and liquor liability insurance will include assault and battery coverage. But some exclusions might leave you liable. If your general liability and liquor liability coverage include assault and battery claims, you’ll be okay.
Workers' compensation insurance
Workers’ Compensation Insurance protects your brewery while protecting the lives and lives of your employees. If you do not have workers’ compensation insurance, you may face potential lawsuits from injured employees.
Additional protection
Brewery extras to consider:
- Tank Collapse Insurance: Covers all costs related to water treatment after a tank collapse.
- Tank Spill Covers: Protects finished or in-process beer spills in fermentation tanks or other containers.
- Restaurant property insurance: If you open a brewery and also operate a restaurant, then you need to protect the equipment in the restaurant.
- Inland Marine Coverage: Protects your beer or other products during transport, and of course brewing equipment.
- Equipment Failure Coverage: Pays for sudden and unexpected failures of brewery equipment.
- Contamination and spoilage coverage: If your product inventory spoils or becomes contaminated due to refrigeration issues or utility outages, insurance companies pay a portion of the loss.
How Much Does Brewery Insurance Cost?
Also, the total cost of an insurance policy depends on your business needs. If you’re just getting the bare minimum, then you can expect to pay $625 per month for insurance. This number increases if you also need additional coverage. Often, you may save some of the cost if you pay for your insurance on an annual basis.
Property Insurance Costs for Breweries
General liability insurance costs for breweries
Alcohol Liability Insurance for Breweries
Insurance costs for brewery workers
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Best brewhouse equipment manufacturer from china Brewing good beer requires brewhouse equipment. Whether you are brewing beer for home, business or brewery, Micet Craft can provide a turnkey solution according to the daily output you need. We have brewhouse equipment with 2 vessels, 3 vessels and 4 vessels, the unique design allows you to do decoction
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