Brewery Insurance

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Brewery insurance provided by Strickler Insurance.

Over the past 20 years breweries have increased and presents and size throughout the United States. From local towns to cities it seems like breweries or everywhere. This age old trade comes with fine craftsmanship and diligent work to compete with your competition. No matter if you’re a small brewery that just started or a brewery that has existed for the past hundred years, there’s always risk involved in manufacturing beer in different alcohols.

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Custom Specialty Brewery Insurance

Breweries come in all shapes and sizes. We insure breweries that are connected to restaurants and facing customers directly as well as large brewery manufacturing plants. Each type of brewery needs a specific type of insurance. We provide a wide variety of custom brewery insurance; From liquor liability insurance to specific types of property insurance and insurance for spoiled food or stolen goods. Contact Strickler insurance because we put every effort to provide you the best brewery insurance possible.

Craft Beer Industries We Provide Insurance For:

 

  • Contract Brewing Company
  • Alternating Proprietor Brewer
  • Nano Breweries
  • Farm Brewery
  • Microbreweries
  • Taproom Brewery
  • Regional Brewery
  • Brewpub
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Brewery

Liquor Liability

Risk Factor

If a patron is over-served at your establishment, you may be held responsible and liable for damages or injuries related to the patron’s intoxication.

Solution

Liquor liability insurance covers defense costs and damages to persons and property caused by intoxicated patrons. Training staff to recognize patrons who pose a liquor liability risk is a key risk control measure to consider.

Spoilage, Contamination, and Product Recall

Risk Factor

If a batch of beer is contaminated or in some way unfit to serve, breweries have much to lose, including the cost of additional materials, production time, disposal of product, and loss of revenue. If the batch makes it to store shelves, it becomes even more costly, both in direct revenue and brand reputation.

Solution

Seek coverage for spoilage, contamination, and product recall to help offset the costs associated with these events.

Employment Practices Liability Insurance (EPLI)

Risk Factor

It’s estimated that three out of five businesses will be sued by their employees. Companies are vulnerable during the pre-hire process, actual employment, and during a reduction in workforce. Claims can arise in any size operation. You can do everything right and still be sued.

Solution

Coverage comes in the form of a standalone policy. This coverage is critical to your risk management strategy as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.

Equipment Failure

Risk Factor

There is a high risk of equipment breakdown in the brewery business. When machines don’t work, beer can’t be brewed. You lose valuable time and profits while repairs are being made.

Solution

Mechanical breakdown is typically not covered under a commercial property insurance policy. Rather, obtaining systems breakdown coverage addresses this exposure.

Cyber Liability

Risk Factor

Customers or employees who entrust you with private information, such as credit card or social security numbers, put you at risk. If this data is lost, stolen, or compromised, you may be legally obligated to alert those affected by the breach.

Solution

Securing a cyber liability policy can cover expenses associated with compliance requirements, such as data breach notification, securing legal counsel to advise on incident response, credit monitoring services, public relations expenses, and paying for regulatory defense and penalties arising from privacy law violations.

Environmental Liability

Risk Factor

Environmental liability exposures are not just for oil companies, nuclear power plants, and industrial mining operations. Breweries have wastewater and waste management concerns. Depending on the location of the brewery, previous use of property may also be an issue.

Solution

Strict liability laws apply to the brewing industry. Court-ordered injunctions, fines, and cleanup costs can be crippling. Almost all commercial liability policies contain some type of pollution exclusion. Coverage exists for this exposure through a standalone policy.

Premises Liability

Risk Factor

If open to the public, you are responsible for the well-being of visitors. This exposure is amplified if you offer brewery tours.

Solution

Given the possible hazards guests can be exposed to, it is important to keep tours confined to safe areas and preplanned routes. General liability insurance provides coverage for bodily injury, physical injury, or other personal injury related claims.

Workers' Compensation

Risk Factor

Workers' compensation coverage is required by law. There is high demand for craft beer, but demand can lead to haste. Haste leads to accidents, accidents lead to injuries, and injuries lead to increased workers' compensation costs.

Solution

Promoting workplace safety and managing exposures can significantly reduce the frequency and severity of workplace injuries. Proactively addressing high risk scenarios helps control workers' compensation costs.

Property

Risk Factor

Brewing equipment is a significant financial investment. Couple that with an above-average exposure to loss, and selecting the correct coverage here is critical.

Solution

Commercial property insurance will indemnify you for property damaged or destroyed due to a covered loss. Selecting an adequate limit of insurance that responds to as many perils as possible negates that risk.

Business Auto Insurance

Risk Factor

Automobile exposures are significant, especially if you handle your own distribution.

Solution

Employees need to be trained and aware of the exposures associated with driving for the brewery. Business auto insurance provides coverage for damages arising out of the use of automobiles for business purposes. A fleet safety program is a critical risk management strategy.

Supply Chain

Risk Factor

As the brewing industry grows, supplies may become increasingly difficult or competitive to acquire. Making sure you have the adequate amount of Chinook hops for your spring seasonal can be the difference between having product to sell or not.

Solution

Diversifying suppliers, maintaining dialogue with back-up suppliers, monitoring the resource environment, and negotiating forward contracts can prevent disruption in production. Insurance coverage for contingent business income can be also obtained.

Special Events

Risk Factor

Breweries often participate in numerous events throughout the year. Many insurance policies contain what’s known as a designated premises endorsement. At a high level, this limits coverage to the premise named on the policy (the brewery). Participating in Craft Beer Expo or 5k Fun Run? Liability associated with events like those may not be covered.

Solution

Make sure you have coverage that extends to any events in which you wish to participate.

Crime

Risk Factor

What do you do if one of your trusted employees is found guilty of doing something dishonest as it relates to his or her work with you?

Solution

Crime coverage can be obtained in your commercial property insurance policy, but coverage is very limited. Consider a standalone policy as well.

Bonds

Risk Factor

If a bonded brewery fails to pay taxes appropriately, the bond amount can be used to pay the owed taxes as well as any other fees that might accompany the unfulfilled payment.

Solution

The brewer's bond is the cost of admission. They are known by a number of names; alcohol tax bonds, liquor license bonds, ATF bonds, and TTB bonds, but they all perform the same function. Government agencies that regulate breweries require bonds to ensure all taxes are paid appropriately. A knowledgeable insurance provider can help you navigate the bonding process.

What Does Brewery Insurance Cover

Brewery insurance is customizable to your personal brewery. If you have a small microbrewery operation you do not want to pay for the same insurance as a massive beer conglomerate. Take a look at a few of the common brewery insurance coverages:

  • Brewery Business Owners Policy (BOP): A business owners policy for a brewery is an essential part of protecting your craft  beer, your property and your business. This is essentially a combination of liability insurance and property insurance all in one convenient policy.
  • Brewery Workers’ Compensation Insurance: Having workers’ compensation for your brewery or restaurant employees is so important. Not only is it required by the state that you have workers’ compensation for your brewery but it will help save you money. By having workmans’ comp for your manufacturing employees and craftsmen, you are more likely to keep them even if they sustain an injury. Hiring and firing is costly, keep employees who make your beer taste great!
  • Brewery Business Crime Insurance: When running a brewery you know there is potential for robberies to occur. Having crime insurance for your business will protect you and your business’s assets.
  • Brewery Cyber Liability Insurance: Cyber liability insurance is something almost every business needs. Think about any aspect of your brewery business that is present online. Imagine if any of that information or data were stolen or destroyed. Lacking cyber security has the potential to not only damage your business and reputation but to fully close your brewery doors.
  • Brewery General Liability Insurance: Liability insurance for every size brewery is so important to have. We recommend liability insurance to micro breweries, large beer manufacturing plants, and even nano breweries. Protecting yourself from lawsuits your business might sustain. Not having liability insurance could result in your brewery being forced to close.
  • Brewery Property Insurance: Having property insurance for your brewery will protect your organization’s assets and investments. Be prepared for fire, flooding, theft, or accidental damages that can occur on your brewery property.
  • Brewery Umbrella Insurance: Having umbrella insurance for your brewery is such an effective way to protect your business. Umbrella insurance takes all of your existing brewery insurance and increases its effectiveness with additional payout coverage.
  • Brewery Commercial Auto Insurance: Another insurance you might need is commercial auto for your delivery trucks. You need your craft beer to get out of the brewery and into people’s hands. Don’t let problems with your beer trucks get in the way of your business operations.

 

Brewery Employee Benefits

  • Brewery Health Benefits: Get group health insurance for your brewery employees. Keeping employees at your brewery business can be difficult, but by offering health insurance you can increase employee retainment and health for your whole organization.
  • Brewery Dental Benefits: Get group dental insurance for your brewery employees. Providing dental benefits makes your business stand out to potential employees.
  • Brewery Vision Benefits: Get vision benefits for your brewery employees. Not every business offers group vision insurance, especially not every brewery. This benefit will help your employees see how much you care about them and their vision.

 

Do I Need Brewery Insurance?

There is a large amount of risk involved when brewing beer. From producing a bad batch of beer to a tank exploding and overflowing to general business risks, do you want to be covered to ensure the future of your brewery. You need insurance for your brewery if you want it to continue to exist into the future.

Get Brewery Insurance From Strickler Insurance

Strickler Insurance is located in Lebanon Pennsylvania. Get your brewery insurance in Lebanon PA, Pennsylvania or one of our neighboring states. At Strickler we hope to provide the best brewery insurance. We provide brewery coverage in New Jersey, New York, Maryland, Delaware and Virginia. Contact us today for a free brewery insurance quote!

Brewery Insurance - Brewing Machinery at a Brewery

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