Distillery insurance for your stills, barrels and tasting room
Distilling brings risks most business policies don't anticipate: vapor ignition, years of aging inventory in one rickhouse, and liquor liability from a busy tasting room. We build programs for craft spirits producers across the Pacific Northwest with specialty beverage markets.
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How distillery coverage gaps become major losses
Three illustrative examples, together representing about $4.65 million in losses. The Alcohol and Tobacco Tax and Trade Bureau (TTB) regulates the distinct risks of distilling operations.
Still explosion
A vapor leak during distilling ignited and caused an explosion, destroying the still house, aging warehouse and 400 barrels of whiskey. Property, stock and business interruption coverage are built for this loss.
Product recall
A cleaning chemical tainted a vodka batch that had shipped to more than 200 stores. The recall involved retrieval, destruction and store credits — costs product recall coverage is designed to pay.
Liquor liability
A tasting-room visitor was over-served and then caused a fatal crash. The victim's family sued the distillery for dram shop liability, which is why liquor limits need to fit the tasting room.
Complete distillery coverage options
Protection for your craft, your inventory and your tasting-room guests.
Distillery Property
Your facility, stills, tanks, bottling equipment and barrel storage, including the fire and blast risks specific to distilling.
Stock & Inventory
Spirits at every stage — raw materials, work in process, aging barrels and finished goods — from production through shipping.
Equipment Breakdown
Mechanical and electrical failure of stills, chillers, boilers and bottling lines, including spoilage from temperature-control failures.
Transit & Inland Marine
Spirits in transit to distributors, retailers and direct-to-consumer customers, against theft, breakage and temperature damage.
Liquor Liability
Dram shop coverage for your tasting room — claims from injuries caused by intoxicated patrons you served.
General Liability
Bodily injury and property damage claims from visitors, tours, events and daily operations, separate from liquor liability.
Products Liability
Claims from your spirits after they leave the facility: allergic reactions, tainting, mislabeling or injuries.
Pollution Liability
Environmental claims from stillage disposal, wastewater discharge, chemical spills and emissions — important with on-site waste processing.
Umbrella / Excess Liability
Extra limits above your primary policies, important where tasting-room liquor claims can exceed base limits.
Product Recall
Recalling tainted or mislabeled product: retrieval, destruction, replacement, notices and crisis management.
Business Interruption
Replaces lost income when production stops after a covered event — critical when aging inventory represents years of investment.
Workers' Compensation
Required coverage for production, tasting-room and warehouse staff, including chemical exposure, burns, lifting and equipment injuries.
Coverage for every type of spirits producer
Whiskey and bourbon
Craft whiskey producers with barrel-aging programs and rickhouses, where long-term aged inventory needs specialized valuation.
Vodka and gin
White spirits distilleries with high-volume production and botanical infusion work.
Specialty spirits
Rum, tequila, mezcal, brandy and others with distinct ingredient sourcing and production methods.
Fruit brandies and eau de vie
Apple brandy, pear eau de vie, grappa and fruit spirits, with seasonal production cycles.
Farm distilleries
Grain-to-glass operations with combined farming and distilling exposures.
Winery-distillery hybrids
Operations making both wine and spirits, including brandy from grapes and pomace.
Contract distilleries
Facilities producing for multiple brands, with bailment, labeling and multi-client liability concerns.
Tasting rooms
On-site tasting, retail sales, tours and events that call for hospitality-focused coverage and proper liquor liability.
Ready-to-drink producers
Canned cocktails, hard seltzers and RTD spirits with distinct packaging and distribution channels.
Brokers who understand craft spirits
Specialty beverage markets
Many standard carriers don't write distilleries well. We work with markets that understand fermenting, distilling and aging.
Barrel inventory valuation
Aging whiskey represents years of investment; we structure policies that value maturing inventory properly.
TTB and licensing awareness
We understand federal and state licensing rules and help your program meet requirements for permitted operations.
Risk management
Safety protocols aligned with OSHA guidelines can improve terms and reduce incidents.
Claims advocacy
Support through equipment failures, recalls and tasting-room incidents, working toward a fair resolution.
Local, licensed advisors
Licensed professionals in Kirkland, WA, placing coverage with A-rated carriers, serving Washington, Oregon and the Pacific Northwest since 1992.
Get your distillery insurance quote
A craft beverage specialist will review your operation and compare options across specialty markets. Same-day quotes are available for many operations.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Scenarios and dollar figures are illustrative examples, 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.