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Breweries, Taprooms & Brewpubs

Insurance for breweries, taprooms, and brewpubs.

Breweries blend three businesses: production, hospitality, and alcohol service. That means production and equipment exposure, taproom premises and liquor liability, and often food on top.

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Brewery, taproom, and brewpub insurance combines liquor liability and general liability for the taproom, property and equipment breakdown for production, workers compensation, business income, and umbrella, with product liability for the beer itself. Liquor rules vary by state.

Production and equipment

Brewing equipment, tanks, refrigeration, and the production process create significant property, equipment breakdown, and business-income exposure, a breakdown can halt production and spoil product. The production side looks more like a manufacturer than a restaurant.

Taproom and alcohol service

A taproom is a hospitality and alcohol operation, so liquor liability and premises liability apply, and tasting rooms, events, and entertainment can raise the exposure. Liquor liability is central and varies by state, and carrier appetite is sensitive here.

Product and distribution

Beer that leaves the premises, distribution, festivals, and packaged sales, adds product liability and event-certificate considerations. We line up the production, taproom, and product exposures together.

Frequently asked

Common questions.

What insurance does a brewery or taproom need?
Liquor liability and general liability for the taproom, property and equipment breakdown for production, workers compensation, business income, umbrella, and product liability for the beer. Liquor rules vary by state.
Why is a brewery different from a restaurant?
It adds a production operation, with manufacturing-style equipment, business income, and product liability, on top of taproom hospitality and alcohol exposure.
Does my taproom need liquor liability?
Generally yes. Serving alcohol creates over-service and dram-shop exposure that general liability excludes. Rules vary by state, so verify the specifics.
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Does your coverage match how you operate?

Tell us how your restaurant runs and we will check your limits, endorsements, and exclusions against the way you actually operate. Educational, no obligation.

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We match coverage to your concept and menu
We check liquor, delivery, and equipment exposure
We line up lease and certificate requirements
You get a clear read, no obligation
Related resources

Keep going.

Coverage

Liquor Liability

Central for taproom service.

Coverage

Equipment Breakdown

Production equipment and tanks.

Tool

Restaurant Coverage Review

See where your program stands.
Independent, restaurant-first

Coverage for production, taproom, and product.

Tell us about your brewery and taproom and we will build coverage across all three sides.

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