Distillery and Brewery Insurance Coverage Customized to Meet Your Needs

Distillery and brewery insurance coverage addresses the specific risks and challenges encountered by businesses in the craft beverage industry. Whether you’re operating a small craft brewery, artisanal distillery, or large-scale production facility, specialized insurance coverage protects your operations, assets, and reputation.

Distillery and Brewery Insurance Solutions Minimize Your Risk and Safeguard Your Assets

Distillery and brewery insurance policies from RIG can include a broad range of coverage to protect your business.

Liquor Liability Insurance

As a brewery or distillery, you understand the importance of responsible alcohol service. However, accidents can happen, and liquor liability claims can have serious financial and reputational consequences. Dram Shop laws governed at the state level put pressure on business owners to know when and when not to serve or sell to patrons. Liquor liability insurance coverage tailored specifically for breweries and distilleries can provide financial protection for claims of bodily injury, property damage, and other liabilities arising from the sale or service of alcoholic beverages.

Property Insurance for Distilleries and Breweries

Your brewery or distillery is home to valuable assets such as brewing equipment, fermentation tanks, and aging barrels. Protecting these assets is essential to the success of your business. Property insurance coverage safeguards your brewery or distillery against risks such as fire, theft, and equipment breakdowns. Policies can cover the cost of repairing or replacing damaged equipment, ensuring that your operations remain up and running.

Equipment Insurance

Your brewing and distilling equipment is the heart of your craft beverage business, and protecting this equipment is crucial to maintaining operations and profitability. Equipment insurance policies can provide financial protection for your brewing equipment against risks such as breakdowns, accidents, and theft. With equipment insurance from RIG, you can minimize downtime and financial losses in the event of equipment failure or damage.

Product Liability Insurance

You take pride in the quality and safety of your beer or spirits. However, product defects or contamination can lead to costly product liability claims and damage your brand’s reputation. Product liability insurance coverage can provide financial protection for claims of bodily injury, property damage, and other liabilities arising from the consumption or use of your products.

Business Interruption Insurance

Business interruptions such as equipment breakdowns, natural disasters, or supply chain disruptions can interfere with operations and impact your bottom line. Business interruption insurance coverage can provide financial protection for your brewery or distillery in the event of a covered loss that interrupts your operations and revenue stream. With business interruption insurance from RIG, you can minimize the financial impact of unexpected disruptions and maintain business continuity.

Workers’ Compensation Insurance for Brewery and Distillery Employees

Protecting your employees is essential to the success of your brewery or distillery. Workers’ compensation insurance coverage can provide financial protection for your employees in the event of work-related injuries or illnesses. These policies can cover medical expenses, lost wages, and rehabilitation costs, ensuring that your employees receive the care and support they need while protecting your business from potential liabilities.

Cyber Insurance

In today’s digital age, cyber threats are a constant concern for businesses of all sizes, including breweries and distilleries. Cyber insurance coverage can help protect your business from the financial impact of cyber incidents such as data breaches, ransomware attacks, and other threats. Policies can cover expenses such as forensic investigations, legal fees, and notification costs, as well as liability protection for damages and regulatory fines.

Commercial Auto Insurance

If your brewery or distillery operates a fleet of vehicles for deliveries or transportation, it’s essential to protect your vehicles and drivers with commercial auto insurance. Policies can provide financial protection for your vehicles, drivers, cargo, and liabilities associated with their operation in the event of accidents, theft, or other covered incidents.

Talk to a RIG Risk Advisor Today