SPOILAGE & STOCK
INSURANCE
IN-PROCESS STOCK IS YOUR MOST VALUABLE AND VULNERABLE ASSET.
A fermenting tank of beer, a barrel of aging whiskey, or a vat of wine in process all represent significant value — and significant risk. Standard property policies often cover the equipment but not the product inside it. Spoilage and stock coverage addresses the in-process and finished stock that standard forms leave exposed.
Beer in active fermentation is vulnerable to temperature swings, contamination, and equipment failure.
Wine in barrel or tank gains value and vulnerability over time as it waits to be bottled.
Long-aging whiskies and spirits accumulate value in the barrel room year over year.
Bottled product in the warehouse before distribution carries stock value that standard property may address differently.
TAP A SCENARIO TO SEE HOW SPOILAGE COVERAGE APPLIES.
Different causes of stock loss, different coverage questions. A general illustration — not a coverage determination.
HOW THE PROGRAM IS BUILT.
Covers the value of fermenting, aging, or in-process product lost to a covered cause during production.
Addresses the value of bottled or packaged product in storage before it leaves the facility for distribution.
Specifically reviews coverage for contamination events and temperature failures that standard property may not address.
Stock coverage is only as good as the valuation — scheduling the stock value accurately at each stage is a key part of the program.
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 spoilage and stock insurance cover?
Spoilage and stock insurance covers in-process and aging product lost to a covered cause — contamination, temperature failure, equipment breakdown, or a covered peril. It addresses the gap between what standard property covers for the equipment and what the product inside the equipment is actually worth.
Is fermenting beer covered as stock?
In-process stock like fermenting beer can be covered as part of a spoilage and stock program. The valuation at different stages of production is an important part of scheduling the coverage correctly.
What if a temperature failure ruins a batch?
A chiller or refrigeration failure that raises tank temperatures and spoils a fermenting batch is the type of event spoilage coverage is designed to address. Equipment breakdown and spoilage are often reviewed together.
Is aging barrel inventory covered?
Aging spirits, wine, or cider in barrel represent growing stock value that can be addressed through spoilage and stock coverage. Accurate scheduling of the barrel room inventory value is an important part of the program.
Does standard property insurance cover spoiled product?
Standard property forms may cover the equipment but not necessarily the product inside it. Spoilage and stock coverage is a separate line that addresses the value of the in-process or finished product, which is why it is reviewed separately.
How do I get a spoilage and stock quote?
Completing the form on this page gathers your production volume, in-process stock value, aging inventory, and distribution so the account can be reviewed and matched to the right specialty markets.
COVER THE PRODUCT, NOT JUST THE EQUIPMENT.
Kelly Insurance Group places spoilage and stock coverage for wineries, breweries, and distilleries of every size.
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.