TTB COMPLIANCE
INSURANCE
EVERY LICENSED PRODUCER HAS INSURANCE AND BONDING REQUIREMENTS.
Operating as a licensed alcohol producer — under a TTB Brewer's Notice, Distilled Spirits Plant permit, or state license — comes with insurance and bonding requirements that vary by jurisdiction, license type, and operation size. Understanding what is required and making sure the coverage in place satisfies those requirements is a critical part of compliance.
The TTB issues federal permits for brewers, distillers, and wineries. Many require proof of insurance or bonding.
State alcohol beverage control boards impose their own insurance requirements as conditions of the license.
Some federal and state licenses require a surety bond in addition to liability insurance.
Coverage gaps — expired policies, insufficient limits, or missing endorsements — can put a license at risk.
TAP EACH REQUIREMENT TO SEE THE COVERAGE QUESTION.
Licensing requirements vary by jurisdiction and license type. Tap each. A general illustration — not legal or regulatory advice.
HOW THE PROGRAM IS BUILT.
Reviewing the insurance requirements of the specific TTB permit and state license the producer holds or is seeking.
Confirming that the general liability and liquor liability program satisfies the limits and endorsements required by the license.
Placing surety bonds required by federal or state licensing authorities as a condition of the producer's operating permit.
Issuing certificates of insurance and additional insured endorsements to satisfy landlord, lender, and licensing requirements.
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 insurance is required for a TTB permit?
TTB permit requirements vary by permit type — a Brewer's Notice, Distilled Spirits Plant permit, or Winery permit each has its own conditions. Many require general liability and, where on-site service occurs, liquor liability. A specialty broker can review the specific requirements for the permit being sought.
What insurance does a state alcohol license require?
State alcohol beverage control requirements vary significantly by state and license type. Most retail and tasting room licenses require proof of liquor liability insurance at a minimum. A specialty broker familiar with the state's requirements can review what is needed.
What is a surety bond for a brewery or distillery?
A surety bond is a financial guarantee required by some federal and state licensing authorities as a condition of the license. It guarantees the producer's tax and fee obligations, and it is separate from the liability insurance program.
Can a coverage gap put my license at risk?
Yes. If a required insurance policy lapses, limits fall below the required minimum, or a required endorsement is missing, the licensing authority may suspend or revoke the license until compliance is restored. Keeping coverage current and documented is a critical compliance task.
What is a certificate of insurance and why do I need it?
A certificate of insurance is a document that confirms the producer's insurance coverage — limits, policy dates, and endorsements. Landlords, lenders, and licensing bodies typically require a current certificate as proof of compliance with their insurance requirements.
How do I get help with licensing and compliance insurance?
Completing the form on this page starts the review. A Kelly Insurance Group specialist can help identify the coverage required by the specific permits and licenses the producer holds or is seeking, and confirm that the program in place satisfies those requirements.
COVERAGE THAT KEEPS YOUR LICENSE IN GOOD STANDING.
Kelly Insurance Group helps breweries and distilleries navigate the coverage requirements of TTB permits and state alcohol licenses.
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.