Brewery insurance from brewhouse to taproom
Craft breweries combine manufacturing, food production and hospitality, each with its own risks. We build coverage for Washington breweries, from neighborhood brewpubs to regional production brewers.
Coverage crafted for brewers
A standard business policy can't address the specialized exposures of beer production, from equipment breakdown and contaminated batches to taproom liability and distribution.
As a broker, we compare options from carriers that specialize in brewery coverage and shape protection around your operation, whether you're a neighborhood brewpub or a regional production brewery.
Essential coverage for breweries
Protection designed for beer production, storage and taproom operations.
Property & buildings
Brewery buildings, production facilities, cold storage and taproom against fire, storms and other covered perils.
Beer & ingredient inventory
Beer in fermentation, conditioning, kegs or cans, plus hops, malt and yeast, against spoilage and loss.
Equipment breakdown
Brewhouse equipment, fermentation tanks, glycol systems, canning lines and other critical brewing machinery.
Taproom & liquor liability
General liability and liquor liability for your taproom, beer garden, events and on-site consumption.
Product liability & recall
Protection if your beer causes injury or illness, plus the costs of a recall due to contamination.
Distribution & transit
Beer in transit to retailers, restaurants and events, including temperature-sensitive shipments.
How brewery coverage responds
Examples of how the right brewery coverage protects your investment when the unexpected happens.
A chiller breakdown ruins six fermenters
A glycol chiller breakdown during summer caused fermentation temperatures to spike. Six full fermenters of IPA were ruined.
Risks breweries face
Beer production combines manufacturing, food safety and hospitality, each with its own risk profile.
Temperature control failures
Glycol system breakdowns can ruin entire batches. Temperature control is critical during fermentation and cold storage.
Contamination & infection
Wild yeast, bacteria or sanitation failures can contaminate batches or infect your entire brewing system.
Liquor liability exposure
Serving alcohol creates liability for intoxicated patrons: accidents, DUIs, fights and over-service claims.
Equipment breakdowns
Brewhouse equipment, boilers, canning lines and refrigeration systems are expensive to repair and replace.
Theft & vandalism
Kegs, brewing ingredients and copper equipment are targets for theft. Vandalism can shut down operations.
Event & festival liability
Brewery events, beer festivals and private parties bring additional liability and crowd-related risks.
Additional coverage options
Beyond core brewery coverage, we review your entire operation so there are no gaps.
Cyber liability
Online sales and customer data.
Commercial auto
Delivery trucks and keg runs.
Workers' compensation
Brewers and taproom staff.
Employment practices liability
Claims from employees, such as discrimination or wrongful termination.
Business income & extra expense
Lost income and added costs after a covered loss.
Umbrella / excess liability
Additional limits above your primary policies.
Experience that fits brewing
Brewery markets
We work with carriers who understand craft brewing and can properly value your equipment and inventory.
Local relationships
We know Washington's craft beer scene and work with regional carriers and underwriters.
Fast certificates
Same-day certificates for distributors, festivals and venue requirements.
Claims support
When a claim happens, we guide you through documentation and communication with the carrier.
Frequently asked questions
How is brewing equipment valued?
Do I need liquor liability even if I only serve beer?
What about coverage for beer festivals?
Is self-distribution covered?
Ready to protect your brewery?
We'll review your current coverage and find the right protection for your operation, from brewhouse to taproom.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Claim examples are illustrative, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.