TAPROOM
INSURANCE
THE MOMENT A GUEST WALKS IN, THE EXPOSURE STARTS.
Alcohol service carries over-service and dram shop liability whether the room has two guests or two hundred.
Releases, private bookings, and recurring events concentrate guests and alcohol service in ways a standard policy may not anticipate.
Every can, crowler, or growler that leaves the taproom carries product liability past the point of the pour.
Bar equipment, draft systems, refrigeration, and the taproom interior all represent property value that needs to be on the policy.
A brewery taproom isn't just an extension of the production floor — it's a bar, open to the public, pouring alcohol and hosting events. Every pint poured creates over-service and dram shop exposure. Every event packs more guests into the space. Every crowler sold out the door carries the product past the pour.
A taproom-specific program addresses all of it: the liquor liability a bar needs, the general liability for guests and events, the property coverage for the build-out and draft systems, and the product liability for beer that leaves in a customer's hand.
DRAG TO SET YOUR TAPROOM VOLUME.
Move the slider to your busiest level and see how exposure shifts. A general illustration to frame a coverage review — not a quote or rating tool.
FIVE LINES. ONE TAPROOM PROGRAM.
Every pint poured creates over-service and dram shop exposure. Liquor liability is the foundation of any taproom program.
Guest injuries, slip-and-falls, and event liability for releases, private bookings, and recurring taproom programming.
The taproom interior, bar equipment, draft systems, refrigeration, and furniture — all part of the property value to insure.
Beer sold in cans, crowlers, and growlers to-go extends the product exposure beyond what's poured on site.
Taproom staff — bartenders, servers, and event crew — covered for on-the-job injuries in a fast-moving service environment.
TELL US ABOUT YOUR TAPROOM.
Complete the form and a Kelly Insurance Group specialist will follow up to begin your taproom review.
EVERY KIND OF TAPROOM OPERATION.
STRAIGHT ANSWERS ON TAPROOM COVERAGE.
WHAT DOES TAPROOM INSURANCE COVER?
Taproom insurance covers liquor liability for pouring pints and flights, general liability for guests and events, property and taproom build-out, product liability for the beer, and workers compensation for staff. How busy the taproom is and whether events are hosted shapes the program.
IS TAPROOM LIQUOR LIABILITY THE SAME AS A BAR?
Effectively yes. A brewery taproom serving the public carries the same over-service and dram shop exposure as a bar. Liquor liability is a core part of the taproom program for that reason.
DOES HOSTING EVENTS CHANGE MY COVERAGE?
Events, releases, and private bookings bring more guests and more alcohol service at once. Regular and special events are reviewed as part of the taproom program so the liability is properly accounted for.
IS MY TAPROOM BUILD-OUT AND EQUIPMENT COVERED?
The taproom interior, bar equipment, refrigeration, and draft systems are property that can be covered. The value of the taproom build-out is an important part of getting the property coverage right.
WHAT ABOUT PRODUCT LIABILITY FOR THE BEER?
Product liability addresses claims tied to the beer served and sold. For a taproom selling cans, crowlers, or growlers to take home, the product liability extends beyond what is poured on site.
HOW DO I GET A TAPROOM QUOTE?
Completing the form on this page gathers your taproom volume, event activity, property, and beer sales so the account can be reviewed and matched to the right specialty markets.
INSURE THE TAPROOM LIKE THE BUSINESS IT IS.
Kelly Insurance Group has placed specialty programs for taprooms and alcohol-serving producers since 1881. 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.