MICROBREWERY INSURANCE FOR SMALL-BATCH BREWERS
A small-batch brewery carries the same risks as a big one — just concentrated, where a single breakdown or spoiled batch hits harder. Kelly Insurance Group builds microbrewery programs scaled to your size without leaving gaps.
THE SAME RISKS, CONCENTRATED.
A microbrewery still has a brewhouse, valuable in-process beer, a taproom serving the public, and product going out the door — just at a smaller scale. The difference is that a single breakdown, a spoiled batch, or one claim lands harder on a small operation. The exposures are the same; the margin for error is thinner.
We build microbrewery programs that cover the full set of brewery risks with limits sized to a small-batch operation, so nothing is over-bought or left exposed.
WHAT A MICROBREWERY PROGRAM COVERS
Brewhouse, kettles, and small-batch gear Equipment breakdown of key systems Spoilage and contamination of batches Product liability for the beer Liquor liability for the taproom General liability and workers compTAP EACH COVERAGE TO BUILD YOUR PROGRAM.
Tap each tile to switch it from exposed to covered and see the picture come together. A general illustration to frame a coverage review — not a quote or rating tool.
HOW THE MICROBREWERY PROGRAM IS BUILT.
Four areas reviewed together so production, product, and the taproom are all covered at the right size.
PROPERTY & BREAKDOWN
Brewhouse, kettles, and small-batch equipment, with breakdown for mechanical and electrical failure.
PRODUCT & SPOILAGE
Product liability for the beer plus spoilage coverage for limited-volume batches where each one counts.
TAPROOM LIQUOR LIABILITY
Liquor liability for the taproom and events where the microbrewery serves the public directly.
GL & WORKERS COMP
General liability for visitors and tours plus workers compensation for the small brewing crew.
TELL US ABOUT YOUR MICROBREWERY.
Complete the form below and a Kelly Insurance Group specialist will follow up to begin your microbrewery review.
BUILT FOR THE SMALL-BATCH BREWER.
From nano operations to neighborhood microbreweries, we tailor the program to the size.
QUESTIONS THAT OFTEN COME UP.
WHAT DOES MICROBREWERY INSURANCE COVER?
Microbrewery insurance brings together property and equipment coverage, equipment breakdown, product liability and spoilage, taproom liquor liability, general liability, and workers compensation. The program is scaled to a small operation while still covering the same core exposures a larger brewery faces.
IS COVERAGE SCALED FOR A SMALL OPERATION?
Yes. A microbrewery carries the same kinds of exposures as a larger brewery but at a smaller scale, so the program and limits are sized to match the operation rather than applying a large-brewery template.
DO MICROBREWERIES WITH A TAPROOM NEED LIQUOR LIABILITY?
A microbrewery that pours pints in a taproom generally needs liquor liability, because serving the public carries the same over-service and dram shop exposure as a bar, in addition to product liability for the beer.
IS EQUIPMENT BREAKDOWN WORTH IT FOR A SMALL BREWERY?
It often is. For a small brewery, a single breakdown can stop production and spoil a batch, which has an outsized impact on a small operation. Equipment breakdown coverage addresses mechanical and electrical failure of key systems.
WHAT ABOUT A SPOILED SMALL BATCH?
Spoilage and contamination coverage can respond when a batch is ruined by a covered cause. For a microbrewery producing limited volume, the loss of even one batch can be significant, which makes this coverage worth considering.
HOW DO I GET A MICROBREWERY 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 for a small operation.
RIGHT-SIZED COVERAGE FOR A SMALL BREWERY.
Kelly Insurance Group builds specialty programs scaled to microbreweries and nano operations. 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.