Running a craft brewery involves more than just brewing great beer—it also requires managing a range of risks, from equipment breakdowns to liability issues that can arise during tours or tastings. With the unique challenges that come with the brewing industry, having the right insurance in place is essential to protect your investment and keep your operations running smoothly. At The Wallace Insurance Agency, we understand the specific needs of craft breweries and offer tailored insurance solutions designed to address the risks you face. As a family-owned and operated agency, we provide personalized service and expert guidance to help you navigate the complexities of insurance for your brewery. Our experience in the industry allows us to offer comprehensive insurance for craft breweries, safeguarding your business, equipment, and reputation from unexpected setbacks.

Our insurance for craft breweries is designed to meet the unique demands of the brewing industry. Here are some of the key coverage options we recommend for your business:

General liability insurance: Protects your brewery from claims of bodily injury, property damage, or personal injury that might occur on your premises. This coverage is crucial for breweries that offer tours, tastings, or have a taproom, as it covers incidents like slip-and-fall accidents, damage to a visitor’s property, or injuries that could occur during events.

Property insurance: Covers the physical assets of your brewery, including your building, brewing equipment, inventory, and supplies, against risks like fire, theft, or vandalism. This coverage helps ensure that your brewery can recover quickly from property damage and continue producing without significant disruption.

Equipment breakdown insurance: Provides coverage for the repair or replacement of essential brewing equipment that breaks down due to mechanical or electrical failure. Given the importance of your brewing machinery, this insurance helps minimize downtime and keeps your production on track.

Product liability insurance: Protects your brewery from claims related to the products you manufacture, distribute, or sell. For craft breweries, this could include claims of contamination, spoilage, or adverse reactions to your products. This coverage is vital for protecting your business against costly lawsuits that could arise from issues with your beer.

Liquor liability insurance: Specifically covers claims arising from the sale or service of alcohol. This coverage is essential for breweries that operate taprooms or sell their beer directly to consumers, protecting you against claims such as those related to intoxication or alcohol-related accidents.

Workers’ compensation insurance: Required in most states, Workers’ Compensation Insurance covers medical expenses and lost wages for employees who are injured while working. This coverage is particularly important for breweries, where employees may be exposed to physical hazards like hot liquids, heavy lifting, or sharp tools.

Commercial auto insurance: Covers the vehicles used in your brewery’s operations, whether you’re delivering kegs to local bars, transporting raw materials, or using a branded vehicle for promotional purposes. This insurance includes liability protection and covers damage to your vehicles from accidents, theft, or other incidents.

These coverage options combine to create a comprehensive insurance plan for your craft brewery, allowing you to focus on brewing great beer with the confidence that your business is protected.