Specialized Insurance for Craft Breweries & Distilleries

Spoilage, recalls and liquor liability are all concerns for craft brewers. Our carriers’ specialized craft brewery and distillery insurance programs offer top-rated coverage at very competitive rates. Our experts focus on protecting your business from the risks unique to the craft brewing and distilling industry, so that you can focus on what you do best: brewing quality beer or distilling quality spirits. We provide insurance for operations that are just starting up as well those that are well established. Here are few of the craft beverage operations we offer insurance for:

• Microbreweries
• Regional craft breweries 
• Regional breweries
• Contract breweries
• Selected breweries
• Craft distilleries
• Craft hard cideries
• Brew pubs
• Meaderies
• Wineries
• Beverage shops
• Coverage available for tasting rooms, restaurants, and lounges
• And many more eligible operations
  

Our carriers’ Craft Brewery & Distillery package policies offer sub-limits to address the specific needs of the operations from processing water, contamination & adulteration, to product withdrawal expense, along with the flexibility to tailor specific coverage enhancements for unique risks. These comprehensive coverages are cost-effective, convenient and allow us to help tailor your craft brewer’s insurance policy to meet your needs.

Specialized coverage and endorsements for craft breweries & distilleries include:

• Equipment breakdown coverage (Includes tank implosion)
• Contamination & adulteration coverage
• Spoilage coverage
• Property in transit coverage
• Beverage leakage coverage
• Aggregate limits per location provided in our general liability broadening coverages
• Product withdrawal expense
• Broadened definition of building to include equipment
• Processing water extra expense
  

We offer craft brewery & distillery industry coverage products and policies to help protect your property, autos, employees, and customers:

• Commercial package policy
• Commercial property
• Commercial general liability
• Commercial auto
• Commercial excess and umbrella liability
• Workers compensation
• Employment practices liability
• Inland marine (Transit coverage)
• Ocean cargo
• Errors & omissions liability
• Fidelity & crime
• Employee dishonesty
• Cyber liability
• Liquor liability
• Commercial surety bond (Alcohol tax bond)

Helpful Risk Management Resources:

• Top 10 Things Start-up Breweries Want to Know
• Business plan resources for craft breweries
• 10 common claims from craft breweries
• Quality Management: Essentials Planning for Breweries
• Sustainable benchmarking tools for breweries to improve their operations
• Is Your Brewery Prepared for an OSHA Inspection?
• Good Manufacturing Practices for Craft Brewers
• How to develop a safety program for your brewery
• 5 Common Claims for Microbreweries
• Brewing a Safety Culture in the Beer Business
• Key Elements of a Craft Brewery Business Plan

 At G & H Financial Insurance we want to make sure your business can operate smoothly without interruption which is why we work with our carriers to provide you helpful risk management programs. Contact us for details on how we can help you with your craft brewery business insurance at 281-395-5497 or submit a request to have an agent contact you.