EQUIPMENT
BREAKDOWN
STANDARD PROPERTY DOESN'T COVER MECHANICAL FAILURE.
A standard property policy covers damage from fire, flood, and similar perils — but not the mechanical or electrical breakdown of production equipment. For a brewery or distillery, a glycol chiller failure, a boiler malfunction, or an electrical fault in a tank system can halt production, spoil a batch, and cost far more than the equipment itself.
Temperature control is critical. A chiller failure can warm tanks and ruin fermenting product.
Boiler failures affect heating, hot water, and cleaning systems that production depends on.
Electrical or mechanical failure inside a tank can compromise an entire batch in fermentation.
Walk-in coolers and cold storage failure can spoil finished product before it leaves the facility.
TAP EACH PIECE OF EQUIPMENT TO SEE THE BREAKDOWN RISK.
Tap any system to see what a breakdown means for production. A general illustration — not a coverage determination.
HOW THE PROGRAM IS BUILT.
Covers breakdown of boilers, chillers, tanks, motors, and electrical systems beyond standard property perils.
Where breakdown causes product spoilage, coverage can address the loss of the batch in addition to the equipment repair.
Covers the cost of expediting repairs, renting temporary equipment, or sourcing alternative production to minimize downtime.
Reviewed across the full facility — not just one piece of equipment — so coverage reflects the whole production environment.
TELL US ABOUT YOUR OPERATION.
Complete the form and a Kelly Insurance Group specialist will follow up to begin your review.
EVERY KIND OF ALCOHOL OPERATION.
STRAIGHT ANSWERS.
What does brewery equipment breakdown insurance cover?
Equipment breakdown insurance covers mechanical and electrical failure of production equipment — glycol chillers, boilers, fermentation tanks, refrigeration, pumps, and electrical systems — beyond what standard property perils address.
Why isn't equipment breakdown covered under regular property insurance?
Standard property insurance covers external perils like fire, flood, and theft. Mechanical or electrical failure from within the equipment itself — a motor burning out, a chiller compressor failing — is a separate coverage line that property does not address.
Does equipment breakdown cover the spoiled product too?
Equipment breakdown can be structured to address spoilage caused by a covered breakdown event, such as a chiller failure that warms a fermenting tank. Spoilage coverage in this context is reviewed alongside the equipment itself.
What if I need to rent equipment while mine is repaired?
Extra expense coverage can address the cost of renting temporary equipment or expediting repairs to minimize production downtime. This is an important consideration for producers where every day of downtime has a revenue impact.
Is a glycol chiller failure covered?
Yes, glycol chiller failure — including compressor failure or refrigerant system breakdown — is the type of mechanical failure that equipment breakdown coverage is designed to address, which standard property does not cover.
How do I get an equipment breakdown quote?
Completing the form on this page gathers your equipment list, production volume, and facility details so the account can be reviewed and matched to the right specialty markets.
COVER WHAT STANDARD PROPERTY LEAVES OUT.
Kelly Insurance Group places specialty equipment breakdown coverage for breweries, wineries, and distilleries.
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.