BREWERY INSURANCE FOR PRODUCTION & TAPROOMS
A brewery is a factory, a warehouse, and often a taproom serving pints to the public. Kelly Insurance Group builds brewery programs that protect the brewhouse and tanks, the beer in process, and the guests at the bar.
PRODUCTION RISK MEETS TAPROOM RISK.
Brewing concentrates expensive equipment, valuable in-process beer, and a production process where a single breakdown can spoil a batch and stop the line. Add a taproom pouring pints and the brewery also takes on the liquor and general liability of a bar. The two sides need to be insured together.
We build brewery programs that cover the brewhouse and tanks, protect against spoilage and breakdown, and handle the taproom and distribution so production and hospitality are both addressed.
WHAT A BREWERY PROGRAM COVERS
Brewhouse, tanks, and kegging lines Equipment breakdown of key systems Spoilage and contamination of batches Product liability for the beer Liquor liability for the taproom Tours, distribution, and workers compTAP YOUR EXPOSURES IN ORDER OF CONCERN.
Tap the risks in the order they worry you most to rank them one through five. A general illustration to frame a coverage review — not a quote or rating tool.
HOW THE BREWERY PROGRAM IS BUILT.
Four areas reviewed together so production, product, and the taproom are all covered.
PROPERTY & BREAKDOWN
Brewhouse, tanks, and kegging lines, with equipment breakdown for mechanical and electrical failure.
PRODUCT & SPOILAGE
Product liability for the beer plus spoilage and contamination coverage for in-process batches.
TAPROOM LIQUOR LIABILITY
Liquor liability for the taproom and events where the brewery serves the public directly.
TOURS, GL & WORKERS COMP
General liability for tours and visitors, distribution exposure, and workers compensation for staff.
TELL US ABOUT YOUR BREWERY.
Complete the form below and a Kelly Insurance Group specialist will follow up to begin your brewery review.
BUILT FOR EVERY KIND OF BREWERY.
From production houses to taproom-forward breweries, we tailor the program to the operation.
QUESTIONS THAT OFTEN COME UP.
WHAT DOES BREWERY INSURANCE COVER?
Brewery insurance combines property and equipment coverage for the brewhouse and tanks, equipment breakdown, product liability and spoilage, liquor liability for taprooms, general liability for tours, and workers compensation. The mix depends on production volume, taproom activity, and distribution.
IS EQUIPMENT BREAKDOWN COVERED?
Equipment breakdown can be added to cover mechanical or electrical failure of brewhouses, fermentation tanks, refrigeration, and kegging lines. Because a failure can also spoil a batch, this coverage is especially relevant for breweries.
DO BREWERIES NEED LIQUOR LIABILITY?
Breweries with a taproom serving pints generally need liquor liability, because pouring for the public carries the same over-service and dram shop exposure as a bar, in addition to product liability for the beer they make.
WHAT ABOUT A RUINED OR SPOILED BATCH?
Spoilage and contamination coverage can respond when a batch is ruined by a covered cause such as an equipment breakdown or contamination event. Given the revenue tied to each batch, this is an important consideration.
IS PRODUCT LIABILITY AND DISTRIBUTION COVERED?
Product liability addresses claims tied to the beer once it leaves the brewery, and distribution adds further exposure, including auto coverage where the brewery delivers with owned vehicles. Both are reviewed based on how the beer reaches the market.
HOW DO I GET A BREWERY QUOTE?
Completing the form on this page gathers your production volume, equipment, taproom activity, and distribution so the account can be reviewed and matched to the right specialty markets.
COVER THE BREWHOUSE AND THE BAR.
Kelly Insurance Group builds specialty programs for breweries of every size. 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.