BREWPUB INSURANCE FOR BREWING & DINING UNDER ONE ROOF
A brewpub is two businesses sharing a kitchen wall — a working brewery and a full-service restaurant. Kelly Insurance Group builds brewpub programs that cover the brewhouse, the kitchen, and the bar as one operation.
A BREWERY AND A RESTAURANT, SHARING A ROOF.
A brewpub runs a production brewery and a full-service restaurant in the same building. The brewing side brings equipment, product, and spoilage exposure; the restaurant side brings a kitchen, food risk, dining-room liability, and a bar. Insure only one side and the other is left exposed.
We build brewpub programs that cover both sides as a single operation — production and kitchen, beer and food, equipment and dining room — so nothing falls through the gap between them.
WHAT A BREWPUB PROGRAM COVERS
Brewing equipment and breakdown Product liability and spoilage Kitchen and foodborne illness exposure Liquor and general liability Building, build-out, and contents Workers compensation for all staffTAP A ZONE TO SEE WHAT IT COVERS.
The brewing and restaurant sides each carry their own risks, and some span both. A general illustration to frame a coverage review — not a quote or rating tool.
HOW THE BREWPUB PROGRAM IS BUILT.
Four areas reviewed together so brewing and dining are covered as one operation.
BREWING & EQUIPMENT
Brewhouse, tanks, and production equipment, with breakdown and spoilage for the brewing side.
KITCHEN & FOOD
Kitchen equipment, food preparation, and foodborne illness exposure from the restaurant side.
LIQUOR & GENERAL LIABILITY
Liquor liability for the bar and dining service plus general liability for guests across the operation.
PROPERTY & WORKERS COMP
Building, build-out, and contents plus workers compensation covering both brewing and kitchen staff.
TELL US ABOUT YOUR BREWPUB.
Complete the form below and a Kelly Insurance Group specialist will follow up to begin your brewpub review.
BUILT FOR THE BREW-AND-DINE OPERATION.
From single-location brewpubs to small chains, we tailor the program to the operation.
QUESTIONS THAT OFTEN COME UP.
WHAT DOES BREWPUB INSURANCE COVER?
Brewpub insurance combines the brewing side — production equipment, breakdown, product liability, and spoilage — with the restaurant side, including kitchen and food exposure, liquor and general liability, property, and workers compensation. It covers a brewery and a restaurant in one program.
IS A BREWPUB INSURED LIKE A BREWERY OR A RESTAURANT?
Both. A brewpub combines a production brewery and a full-service restaurant under one roof, so the program has to address brewing equipment and product alongside kitchen, dining, and bar exposure together.
DOES THE KITCHEN ADD FOODBORNE ILLNESS EXPOSURE?
Yes. A working kitchen adds food preparation and foodborne illness exposure on top of the brewing risk, which is one of the key reasons a brewpub needs more than a standard brewery program.
DO I NEED LIQUOR LIABILITY FOR THE BREWPUB?
A brewpub serving its own beer and often other alcohol to diners needs liquor liability, because pouring for guests carries the same over-service and dram shop exposure as any bar or restaurant.
IS EQUIPMENT BREAKDOWN AND SPOILAGE COVERED?
Equipment breakdown and spoilage coverage can be added so failure of brewing or kitchen systems, and the ruined product that can result, are addressed beyond standard property perils. Both sides of the operation are reviewed.
HOW DO I GET A BREWPUB QUOTE?
Completing the form on this page gathers your brewing volume, kitchen and dining operation, equipment, and alcohol service so the account can be reviewed and matched to the right specialty markets.
COVER THE BREWHOUSE AND THE KITCHEN TOGETHER.
Kelly Insurance Group builds specialty programs for brewpubs that brew and dine under one roof. 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.
RELATED INSURANCE PROGRAMS
Other Kelly Insurance Group coverages matched to this page
MATCHED INTAKE FORMS
Best-fit forms for this page
FIND RELATED COVERAGE FAST
LOADING LIVE SITEMAP...
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.