Brewers require a mix of standard business and industry-specific coverage. Brewers need insurance with industry-specific coverages and services that address the unique needs of food manufacturers and processors from production to delivery. The specifics of the brewery insurance plan depend on the type of brewery (large brewery, microbrewery, craft brewery, etc.) and whether there is a tasting room, restaurant, pub, or other on-site operations like axe-throwing or lawn darts.
As a proud manufacturer of stouts, lagers, and ales, it's essential to prepare your brewery for unforeseen events that could pose risks to your business. These scenarios include contamination or spoilage of a batch, customers being involved in alcohol-related accidents, unexpected breakdowns of vital equipment, accidents on your premises, damage caused by guests, leakage of beer from storage tanks, and potential damage or destruction due to weather events, fires, theft, or vandalism.
To mitigate these risks, it's crucial to have comprehensive insurance coverage tailored to the specific needs of your brewery. Each brewery faces unique challenges, and a combination of insurance policies and endorsements may be necessary to provide adequate protection. Without proper coverage, unexpected events could lead to financial distress and even bankruptcy, emphasizing the importance of proactive risk management through thoughtful insurance planning.