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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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.
Common questions.
What insurance does a brewery or taproom need?
Why is a brewery different from a restaurant?
Does my taproom need liquor liability?
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.
Coverage for production, taproom, and product.
Tell us about your brewery and taproom and we will build coverage across all three sides.