Insurance for Breweries & Wineries
Coverage crafted for beverage producers.
Get comprehensive brewery and winery insurance that covers production equipment, taproom operations, and distribution risks.
Licensed agents who understand craft beverage businesses deliver fast quotes and expert support.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Why Brewery Insurance Matters
Protect your craft from production to taproom
Breweries and wineries combine manufacturing risks with retail and hospitality exposure. You're producing a consumable product, operating expensive equipment, and often serving customers in a taproom—each activity requiring specific coverage.
Most breweries need Product Liability (for the beverages you produce), Equipment Breakdown (for tanks, chillers, and bottling lines), Liquor Liability (if you have a taproom), and Workers' Compensation for your production and service staff.
Whether you're a small craft brewery or a larger production facility, the right insurance protects your investment in equipment, inventory, and reputation. Spoilage coverage can protect valuable aging inventory from temperature control failures.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers product liability, premises injuries, and taproom operations.
Workers' Compensation
RequiredRequired for production staff and taproom employees.
Commercial Auto
Covers delivery vehicles and distribution operations.
Industry Risks
Common risks you need to protect against
Real risks breweries face
See how the right insurance protects your brewery when things go wrong
Risk
Your refrigeration system fails overnight, spoiling 500 gallons of beer in fermentation.
Equipment Breakdown + Spoilage
Covers repair costs and the value of lost product—potentially $50,000+ in a larger operation.
Risk
Your refrigeration system fails overnight, spoiling 500 gallons of beer in fermentation.
Equipment Breakdown + Spoilage
Covers repair costs and the value of lost product—potentially $50,000+ in a larger operation.
Risk
A customer in your taproom has an allergic reaction to an undisclosed ingredient.
Product Liability
Pays for medical expenses, legal defense, and settlement.
Risk
A customer in your taproom has an allergic reaction to an undisclosed ingredient.
Product Liability
Pays for medical expenses, legal defense, and settlement.
Risk
Your delivery van is involved in an accident while transporting kegs to a local restaurant.
Commercial Auto
Covers vehicle damage, cargo loss, and liability claims.
Risk
Your delivery van is involved in an accident while transporting kegs to a local restaurant.
Commercial Auto
Covers vehicle damage, cargo loss, and liability claims.
Why Choose Us
Why breweries choose 1-800-INSURANCE
- Coverage designed for craft beverage producers
- Equipment breakdown for brewing systems
- Spoilage coverage for aging inventory
- Liquor liability for taproom operations
- Distribution and delivery vehicle coverage
- Product recall coverage for contamination events
Commercial insurance experts
Essential coverage for breweries
Compare quotes and get the specific policies your brewery needs
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Brewery & Winery Insurance FAQs
What insurance does a brewery need?
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Breweries need General Liability with product liability, Commercial Property, Equipment Breakdown, and Workers' Comp. Taprooms require Liquor Liability. Distribution operations need Commercial Auto.
Does brewery insurance cover equipment breakdown?
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Equipment breakdown coverage is typically a separate endorsement or policy. It's essential for breweries given the expensive tanks, chillers, and production equipment involved.
Is spoilage covered if my refrigeration fails?
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Spoilage coverage can be added to protect inventory from temperature control failures. This is critical for breweries with significant aging inventory or fermentation in progress.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.