Brewing equipment
Tanks, kettles, cellar equipment and packaging lines.
Business Insurance
Craft brewery and taproom insurance.
Production, packaging and a bar in the same building. A brewery is three risks under one roof.
Craft breweries combine manufacturing, distribution and hospitality. Tanks and brewing equipment are substantial assets, product in process represents real value, and a taproom brings liquor liability and premises exposure that the production side does not.
Product contamination and equipment breakdown
A batch lost to contamination or a failed refrigeration cycle is a direct financial loss, and standard property cover does not respond to spoilage from equipment failure. Equipment breakdown paired with spoilage cover is what handles it.
Where product has left the premises, contamination and recall exposure follows it. Recall cover is separate from products liability and is worth understanding if you distribute beyond the taproom.
The taproom is a bar
Serving on site brings the same liquor liability exposure as any bar, including dram shop claims under Texas law. TABC seller-server certification for taproom staff supports the statutory safe harbour and is viewed favourably by carriers.
Tours, events and outdoor areas add premises liability. If you host food trucks or live music, those arrangements should be reflected in the policy rather than assumed to be covered.
What it covers
The parts of a craft brewery insurance policy
Equipment breakdown
Mechanical and refrigeration failure, plus the product lost with it.
Product and stock
Beer in process, packaged stock, kegs and raw materials.
Liquor liability
Dram shop cover for the taproom, excluded from general liability.
Contamination and recall
Product losses and the cost of recovering distributed stock.
Premises liability
Taproom, tours, outdoor areas and events.
Working with us
What we do differently
We are an independent agency, so we place your craft brewery insurance across several carriers rather than fitting you to one company's product. That means a genuine comparison, and someone to call who is not a call centre.
- Pair equipment breakdown with spoilage — property cover alone will not pay
- Keep taproom staff TABC certified
- Consider recall cover once you distribute beyond your own premises
Common questions
Craft Brewery Insurance, answered
Is a lost batch covered?
Only where the cause is covered. Spoilage following an equipment or refrigeration failure needs equipment breakdown and spoilage cover; standard property insurance will not respond to it.
Do I need liquor liability for a taproom?
Yes. Serving on site creates the same dram shop exposure as any bar under Texas law, and general liability excludes it.
What is recall cover?
It pays the cost of recovering distributed product after a contamination issue. It is separate from products liability, which responds to injury the product causes.
Related cover
Often arranged alongside this
Liquor Liability Insurance
If your business sells, serves or furnishes alcohol, your general liability policy specifically excludes what follows. Liquor liability is the policy that fills it.
Read moreBar and Tavern Insurance
A bar is not a restaurant with a different menu. Alcohol-led venues are underwritten as their own class, and the exposures that matter are dram shop and assault.
Read moreManufacturers Insurance
A production line stopping costs more per day than most of the equipment on it. That is where the cover has to be strongest.
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