CRAFT BREWERY INSURANCE FOR TAPROOM-FORWARD BREWERS
For a craft brewery, the taproom is the heart of the brand — flights, events, and a crowd most nights — sitting right on top of a working production floor. Kelly Insurance Group builds craft brewery programs that cover the brewing, the pouring, and the events together.
A BREWERY AND A BUSY BAR IN ONE BUILDING.
Craft breweries lead with the taproom — it drives the brand, the revenue, and the community. But that means a busy bar with flights, events, and crowds sits right beside the brewhouse, fermentation tanks, and aging beer. The liquor and event exposure of a bar combines with the production and product risk of a manufacturer.
We build craft brewery programs that cover both sides at once, so the taproom, the events, the equipment, and the distributed beer are all addressed in one place.
WHAT A CRAFT BREWERY PROGRAM COVERS
Brewhouse, tanks, and taproom build-out Equipment breakdown and spoilage Product liability for the beer Taproom liquor liability and flights Special events and festivals Distribution, general liability, workers compFILL EACH GLASS TO SEE A COVERAGE AREA.
Tap each glass in the flight to pour it and reveal the coverage it represents. A general illustration to frame a coverage review — not a quote or rating tool.
HOW THE CRAFT BREWERY PROGRAM IS BUILT.
Four areas reviewed together so production, the taproom, and events are all covered.
PROPERTY & EQUIPMENT
Brewhouse, tanks, and taproom build-out, with equipment breakdown for mechanical and electrical failure.
PRODUCT & SPOILAGE
Product liability for the beer plus spoilage and contamination coverage for in-process and aging stock.
TAPROOM, FLIGHTS & EVENTS
Liquor liability for the taproom and flights plus coverage for festivals and special events.
DISTRIBUTION, GL & WC
Distribution and product exposure into the market, general liability, and workers compensation for staff.
TELL US ABOUT YOUR CRAFT BREWERY.
Complete the form below and a Kelly Insurance Group specialist will follow up to begin your craft brewery review.
BUILT FOR THE CRAFT BREWER.
From taproom-forward independents to distributing craft brands, we tailor the program to the operation.
QUESTIONS THAT OFTEN COME UP.
WHAT DOES CRAFT BREWERY INSURANCE COVER?
Craft brewery insurance combines property and equipment coverage, product liability and spoilage, taproom liquor liability, coverage for flights and events, distribution exposure, general liability, and workers compensation. The program reflects how taproom-forward and how widely distributed the brewery is.
DOES A BUSY TAPROOM CHANGE MY LIQUOR LIABILITY?
Yes. A taproom-forward craft brewery serving flights and pints throughout the week carries significant liquor liability, much like a busy bar. The level of taproom activity is a major factor in structuring the coverage.
ARE SPECIAL EVENTS AND FLIGHT TASTINGS COVERED?
Events, festivals, and flight tastings can be addressed within the program, since they bring more guests and more alcohol service. Recurring and special events are reviewed so the liability is properly accounted for.
WHAT ABOUT PRODUCT LIABILITY FOR DISTRIBUTED BEER?
Product liability addresses claims tied to the beer once it is in the market. For craft breweries that distribute through retailers and bars, this exposure grows with reach and is reviewed alongside any self-distribution.
IS EQUIPMENT BREAKDOWN AND SPOILAGE INCLUDED?
Equipment breakdown and spoilage coverage can be added so mechanical or electrical failure, and the ruined product that can result, are addressed beyond standard property perils. Both are common considerations for craft producers.
HOW DO I GET A CRAFT BREWERY QUOTE?
Completing the form on this page gathers your production volume, taproom and event activity, equipment, and distribution so the account can be reviewed and matched to the right specialty markets.
COVER THE BREWHOUSE, THE TAPROOM, AND THE EVENTS.
Kelly Insurance Group builds specialty programs for taproom-forward craft breweries. 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.