WINERY & BREWERY
PROPERTY INSURANCE
STANDARD PROPERTY FORMS DON'T FIT A PRODUCTION FACILITY.
A winery, brewery, or distillery has property needs that go well beyond a standard commercial building. Stone cellars, temperature-controlled barrel rooms, specialized production equipment, and aging stock all require valuation and coverage approaches that a standard commercial property form does not address. Getting the property program right is the foundation of the whole producer insurance package.
The brewery, winery, or distillery building — including specialized construction like stone cellars and climate-controlled barrel rooms.
Tanks, presses, stills, brewhouses, and production equipment with accurate replacement cost valuation.
The tasting room interior, bar, and guest amenities represent significant tenant improvement value.
Coverage for lost income when a covered event forces a closure — especially important for seasonal and event-driven producers.
TAP EACH PROPERTY AREA TO SEE THE COVERAGE QUESTION.
A producer's property is more complex than a standard commercial building. Tap each area. A general illustration — not a coverage determination.
HOW THE PROGRAM IS BUILT.
Production facilities, cellars, barrel rooms, and tasting room build-outs valued at accurate replacement cost.
Tanks, stills, presses, and brewhouse equipment scheduled at specialty equipment replacement cost.
Income replacement for a covered closure, reviewed for seasonal producers and event-driven operations.
Tasting room contents, tenant improvements, and other interior property often undervalued on standard forms.
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 does winery and brewery property insurance cover?
Winery and brewery property insurance covers the production buildings, cellar and barrel room structures, production equipment, tasting room build-out, and business interruption — with valuation approaches specific to producer operations that standard commercial property forms do not always address.
Why does a winery or brewery need specialty property coverage?
Standard commercial property forms are not designed for production facilities with stone cellars, temperature-controlled barrel rooms, specialized equipment, and aging stock. Specialty property coverage reflects the actual replacement cost and risk profile of a producer facility.
Is production equipment covered under the building policy?
Production equipment — tanks, stills, presses, and brewhouses — is scheduled separately from the building, with replacement cost valuation that reflects the specialty nature of the equipment. Equipment breakdown is a separate but related coverage line.
Is business interruption covered?
Business interruption can be added to cover lost income when a covered event — fire, equipment failure, or other covered peril — forces a closure. For seasonal and event-driven producers, the timing of a closure can matter as much as the property damage.
Are tasting room improvements covered?
Tenant improvements in a leased tasting room may not be covered under the landlord's property policy. The tasting room build-out, bar, and guest area need to be scheduled separately under the producer's own policy.
How do I get a winery or brewery property quote?
Completing the form on this page gathers your building details, equipment list, tasting room value, and business income so the account can be reviewed and matched to the right specialty markets.
COVER THE BUILDING, THE EQUIPMENT, AND THE INCOME.
Kelly Insurance Group builds specialty property programs for wineries, breweries, and distilleries.
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.