CIDERY
INSURANCE
AN ORCHARD, A PRODUCTION FLOOR, AND A BAR.
A cidery combines farming exposure, production risk, and hospitality — sometimes all on the same property. Fruit sourcing and pressing, fermentation tanks and equipment, tasting room liquor service, and cider going out through retail and distribution all carry their own exposures that need to be covered together.
Whether you grow or source, the fruit side adds agricultural and premises exposure before production begins.
Presses, tanks, and equipment are high-value property where a breakdown can halt production and spoil a batch.
Pouring hard cider for the public carries the same liquor liability exposure as a winery or bar.
Cider in retail and on-premise accounts carries product liability beyond the tasting room pour.
TAP EACH PRODUCTION STAGE TO SEE THE COVERAGE.
Four stages, four coverage areas. A general illustration to frame a review — not a quote or rating tool.
HOW THE CIDERY PROGRAM IS BUILT.
Production facility, presses, fermentation tanks, and filtration, with breakdown for mechanical and electrical failure.
Product liability for the cider in the market plus spoilage coverage for batches lost to a covered cause.
Liquor liability for the tasting room and events where the cidery pours hard cider for the public.
General liability for orchard tours and visitors, plus workers compensation for production and tasting room staff.
TELL US ABOUT YOUR CIDERY.
Complete the form and a Kelly Insurance Group specialist will follow up to begin your cidery review.
EVERY KIND OF CIDER PRODUCER.
STRAIGHT ANSWERS ON CIDERY COVERAGE.
WHAT DOES CIDERY INSURANCE COVER?
Cidery insurance combines property and equipment coverage for the production facility, product liability and spoilage for cider batches, tasting room liquor liability, general liability for tours and visitors, and workers compensation. The program reflects whether the cidery grows its own fruit, sources it, and how much it serves on site.
DO CIDERIES NEED LIQUOR LIABILITY?
Cideries that pour in a tasting room or serve samples generally need liquor liability. Hard cider is an alcohol-containing beverage, so serving it creates the same over-service and dram shop exposure as a bar or winery.
IS PRODUCT LIABILITY COVERED FOR HARD CIDER?
Product liability for the cider addresses claims tied to the product once it leaves the cidery — through the tasting room, retail, and distribution. For cideries that self-distribute, auto exposure is also reviewed.
WHAT ABOUT EQUIPMENT AND SPOILAGE?
Presses, fermentation tanks, and filtering equipment are high-value property that can be covered. Equipment breakdown can be added, and spoilage coverage addresses cider batches lost to a covered cause such as breakdown or contamination.
ARE ORCHARD TOURS AND TASTING ROOM EVENTS COVERED?
Bringing the public on site for orchard tours, tastings, and events adds general liability and, where cider is served, liquor liability. Agritourism activity is an important part of structuring cidery coverage.
HOW DO I GET A CIDERY QUOTE?
Completing the form on this page gathers your production volume, equipment, fruit sourcing, tasting and event activity, and distribution so the account can be reviewed and matched to the right specialty markets.
FROM THE ORCHARD TO THE GLASS — COVER IT ALL.
Kelly Insurance Group builds specialty programs for cideries and hard cider producers. Start with a conversation or the form above.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
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Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.