Craft Brewery Insurance
Insurance for Breweries

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Craft Brewery Insurance

Available in all 50 states!

Our clients pursue excellence in their craft, creating unique and flavorful brews. We share their passion in our service to their industry. We provide craft brewery insurance covering all the unique risks brewers face. We provide many value-added tools and services to help our clients to operate safely, efficiently, and profitably. In addition, we are an independent insurance agency, so you know we will always place your interests first.

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Ray Brann, CIC
(434) 327-1634
rbrann@bankersinsurance.net

Craft Brewery Insurance Program

Key Features

What makes our craft brewery insurance different?

  • Coverages specific to the brewing industry: equipment breakdown, material contamination, adulteration, processing water, selling price valuation on stock, brewmaster replacement protection, and many more. Our packages are flexible and crafted to suit the tastes of our clients.
  • Expertise: Bankers specializes in craft brewery insurance. Through the years, we have helped our clients navigate a variety of claims. Use our experience to your advantage. We know where risks lie. Let us provide a risk analysis to help your business identify areas of risk exposure, and formulate a plan to minimize them.
  • Buying Power: We are contracted with the major craft brewery insurance carriers and know their strengths. We will listen to you, endeavor to understand all your operations, match your business to the best-suited carriers, and you with present tailored quotes.
  • Dedicated Account Management: Our organization is unique. We do not operate a call center. We staff dedicated account managers and each client is provided a phone number that rings right their desk, along with their direct email. Your service is their first priority.
  • Claims Unit: We are your claims advocate with the insurance companies. Bankers employs dedicated claims agents. Should a claim occur, we guide you through the entire process, ensuring a fair and accurate resolution.

Business Operations

Don’t let your craft brewery insurance policy limit your operations or restrict your passions. Our program can accommodate a broad variety of operations

  • All sizes
  • Microbreweries
  • Regional Craft Breweries
  • National Chains and Franchises
  • Craft Distilleries
  • Craft Hard Cideries
  • All associated risks: Tasting Rooms, Restaurants, and Lounges
  • New Ventures considered

We offer

Our craft brewery insurance products

  • General Liability
  • Products Liability
  • Liquor Liability
  • Product Withdrawal Expense
  • Property: Building, Contents, Stock, Inventory, etc.
  • Equipment and Equipment Breakdown
  • Business Income and Extra Expense
  • Workers Compensation
  • Business Auto
  • Employee Benefits: Group Health, Dental, Vision, Disability, etc.

More Details

Insurance Coverage On Tap

Breweries will never lack for insurance agents knocking on their door, asking to quote their coverage…or sample their product for that matter. However, your craft brewery insurance should be handled by an agency that understands the industry, a brewer’s unique risks, and the basics of the brewing process. If your agent curls a lip at the mention of grist, mash, wort, or lautering, you should instead seek a risk manager that brings years of industry experience to be leveraged to your benefit. We respect your business and the hard work you put into it. Let us be your trusted insurance agent and risk advisor.

Bankers Insurance is a Trusted Choice insurance agency.

Craft Brewery Insurance Quote Request

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Multi-Carrier Quotes

To ensure the best fit and lowest price. We will contact you when additional questions arise.


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Craft Brewery Insurance Coverages

Our coverage offerings

Craft brewery liability insurance, a barman fills a beer glass from a row of stainless steel taps, pipes dripping with condensation.

When producing a product meant for bodily consumption, liabilities can arise from many directions. Whether your operations include wholesale, retail, delivery, special events, or even a restaurant, you can tailor our craft brewery insurance package to match so that you are not overpaying for coverage.

  • General Liability
  • Products Liability
  • Special Events Liability
  • Liquor Liability
  • Product Withdrawal Expense: Including brand rebuilding expense, should your product ever be subject to a recall.
  • Blanket Additional Insured
  • Advertising Liability
  • Umbrella Liability
  • All others…
Craft brewery property insurance, brewmaster in brewery standing before stainless steel tanks with clipboard.

The investment in physical assets necessary to operate a brewery is enormous. Protect your venture and future income. Blanket coverage limits are available. The coverages below may be added to our craft brewery insurance packages.

  • Buildings
  • Contents
  • Equipment – fixed and mobile
  • Raw materials
  • Finished stock
  • Business Income & Extra Expense: A critical coverage to protect your business against lost income while production equipment is replaced or repaired. Check out our Business Income Calculator Spreadsheet to estimate your exposure.
  • Boiler & Machinery
  • Contamination and Adulteration
  • Selling Price Valuation on stock
  • Peak Seasonal Increase for stock
  • Sign coverage included (attached or unattached)
  • Flood and Earthquake
  • Property in off premises or in transit
  • All others…

Equipment Breakdown

Craft brewery insurance equipment breakdown, stainless steel tanks in rows in a brewery.

Though this protection is often included under Property, it presents such a large risk to breweries we address it separately. Property coverage protects against many forms of loss, such as fire, lightning, vandalism, wind, hail, etc. However, should your equipment break down or fail due to an accident, that is not a covered loss. In addition, utility interruptions to power, gas, or water can cause severe damage and shut down production for extended periods. Equipment breakdown protects your business from accidents such as mechanical breakdown, rupture, bursting, electrical issues, centrifugal force, and utilities disruption.

Business income and extra expense protection is a critical portion of equipment breakdown coverage. Should your production line go down due to an accident, this protects the lost net income, plus extra expenses incurred.

Each of these claims represent not only damage to equipment, but also present a loss to future income.

  • An inspection/cleaning port on a fermentation tank fails at night, releasing its entire contents.
  • An employee accidently over-pressurizes a vat causing the tank to rupture.
  • A spent barley storage tank breaks down due to pressure buildup from overfilling.
  • A power surge causes an electrical breakdown of a glycol chiller system.
  • Several holes in two steel drums of a water tube boiler caused the breakdown of the entire system.

Other Coverage Offerings

Craft brewery insurance other coverages, pint of light colored beer on a table before a copper vat.
  • Workers Compensation: Bankers Insurance offers the broadest selection of workers compensation insurance and backs it up with expert service.
  • Business Auto: Whether your brewery owns delivery vehicles or not, your business still has risk of being sued due to an auto accident for sales activities or if you travel in personal vehicles to venues. Even basic office errands in the local area can present an exposure. In such a case, be certain your craft brewery insurance package contains the appropriate protections.
    • All delivery vehicles
    • Refrigerated trucks, including spoilage
    • Hired auto liability: Protection for vehicles temporarily leased or rented for a business purpose.
    • Non-owned auto liability: For employee vehicles when used for a business purpose.
  • Cyber Liability / Data Breach
  • Employee Benefits
    • Group Health
    • Group Dental
    • Group Vision
    • Group Life
    • Group Disability
  • Employment Practices Liability Insurance: discrimination, wrongful termination, harassment (including 3rd party), refusal to hire, and more.
  • Employee Benefits Liability
  • Directors and Officers Liability

Insurance Services for our Brewery Clients

Bankers Insurance does not simply provide craft brewery insurance policies. Our business model is to provide year-round service to those clients, not only regarding insurance, but also by providing other valuable tools and services. We are proud of the fact that each client is assigned a risk manager to answer their questions and help them grow in business. We enjoy seeing businesses succeed.

Below is a sample of the products and services available to our clients.

  • Employee safety manuals for breweries and distilleries
  • Complete employee manuals that addresses the latest HR issues
  • Benchmarking
  • Risk Surveys
  • Contract Reviews
  • Property Valuation
  • Incident Investigation Guides

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At Bankers Insurance, the client is always in control.

Why Bankers Insurance?

Anyone can be an order-taker.  Bankers Insurance is different.

We offer choices and expertise. We don’t expect clients to be craft brewery insurance experts.  Take advantage of our experience. We can explain your options and help you determine the right coverages.

As your insurance agent, we strive to know you. Only then can suggest the coverage that suits your specific business. We look for coverage gaps to help ensure complete protection. With us, you get the benefit of: