BARREL & AGING
STOCK INSURANCE

Barrel and aging stock insurance covers the value of spirits and wine aging in barrels — including fire, structural events in the rickhouse, spoilage, barrel failure, theft, and other covered perils that affect aging inventory.

Standard property insurance covers equipment and structures but may not fully address the growing value of aging spirits or wine inside those barrels. Barrel stock coverage specifically addresses the inventory value, which increases every year the spirits age.

Accurate scheduling of barrel stock is critical — the value should reflect the current market value of the aging spirits or wine, not just the production cost. Undervaluing the stock creates a coverage gap that grows with every year of aging.

A rickhouse fire is one of the highest-severity events a distillery can face. Fire coverage for the barrel room and its contents is a core part of the program, reviewed alongside the structural exposure of the building itself.

Theft of aging barrels — particularly high-value spirits — requires specific coverage. Standard property theft coverage may not address the unique nature of barrel theft, and it is reviewed separately as part of the aging stock program.

Completing the form on this page gathers your barrel inventory count, spirit type, average age, and facility details so the account can be reviewed and matched to the right specialty markets.