DISTILLERY
INSURANCE
A MANUFACTURER, A WAREHOUSE, AND A BAR.
A distillery is a production facility with expensive equipment and fire risk, a warehouse full of aging spirits that grow in value every year, and increasingly a tasting room pouring for the public. Each side carries its own exposure — and they all have to be covered together.
We build distillery programs that start with the still, follow the spirit into the barrel, and cover it all the way to the glass in a guest's hand.
Copper stills are high-value specialty equipment — expensive to replace and hard to cover on a standard policy.
Spirits in barrel gain value over months and years. The longer the age, the more property and spoilage exposure grows.
Pouring spirits for the public carries the same dram shop exposure as a bar, stacked on top of product liability.
SELECT A COVERAGE AREA TO SEE HOW IT APPLIES TO A DISTILLERY.
Tap any segment to explore that coverage area. A general illustration to frame a coverage review — not a quote or rating tool.
HOW THE DISTILLERY PROGRAM IS BUILT.
Buildings, copper stills, production equipment, and breakdown coverage for mechanical and electrical failure of key systems.
Spirits in barrel grow in value over time. Property and spoilage coverage address the inventory and the risk of loss during aging.
Product liability for spirits in the market, with distribution and auto exposure reviewed where the distillery self-delivers.
Pouring spirits for the public carries full dram shop exposure. Liquor liability is a core line for any distillery with a tasting room.
Public tours near stills and barrels add general liability for visitors, with workers comp covering production and tasting room staff.
TELL US ABOUT YOUR DISTILLERY.
Complete the form and a Kelly Insurance Group specialist will follow up to begin your distillery review.
EVERY KIND OF SPIRITS PRODUCER.
STRAIGHT ANSWERS ON DISTILLERY COVERAGE.
WHAT DOES DISTILLERY INSURANCE COVER?
Distillery insurance covers the stills and production equipment, aging barrel inventory, product liability for spirits, tasting room liquor liability, tours and events, equipment breakdown, and workers compensation. The program reflects whether the distillery serves on site, how long spirits age, and how widely they distribute.
ARE MY COPPER STILLS AND EQUIPMENT COVERED?
Copper stills, condensers, and production equipment are high-value property that can be covered. Equipment breakdown can also be added so mechanical or electrical failure is addressed beyond standard property perils.
WHAT ABOUT AGING BARREL INVENTORY?
Aging spirits in barrels represent significant and growing value over time. Property and spoilage coverage can address the inventory in the warehouse, and the value of long-aging spirits makes accurate scheduling important.
DO DISTILLERIES NEED LIQUOR LIABILITY?
Distilleries that pour in a tasting room, host events, or serve samples need liquor liability, because serving spirits carries the same over-service and dram shop exposure as a bar, in addition to product liability for what they produce.
ARE TOURS AND TASTING ROOM EVENTS COVERED?
Tours and events bring the public into a production environment, adding general liability exposure on top of the tasting room. How the distillery engages with visitors is a key part of structuring the program.
HOW DO I GET A DISTILLERY QUOTE?
Completing the form on this page gathers your production volume, equipment, aging inventory, tasting and event activity, and distribution so the account can be reviewed and matched to the right specialty markets.
FROM THE STILL TO THE GLASS — COVER IT ALL.
Kelly Insurance Group builds specialty programs for distilleries 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.