If you own a craft brewery, it’s important to have it insured, and to get the best insurance coverage for your investment; you need to understand what it involves. Brewery insurance is complicated, but with the right insurer, you are guaranteed a good policy. Outdoor Insurance Services in Houston, TX, offers Craft Breweries Insurance for business owners.

What Does Craft Breweries Insurance Cover?

A standard brewery insurance policy has four components. It offers coverages for general liability, liquor liability, miscellaneous coverage, and property coverage.

General liability coverage is just like basic liability insurance as it protects you from any legal accountability for things that happen on the property or any business-related interactions.

Property coverage is the most common to most brewery owners. This coverage protects the building, the tasting bar up front, and the equipment used for brewing. In case your equipment breaks down, this coverage also includes Boiler and Machinery coverage.

Liquor liability is essential coverage for all craft breweries. As the majority of the breweries serve their liquor on-site, this coverage protects you from and responsibility for accidents caused by intoxicated clients. In case you are sued for negligence, this coverage pays for legal expenses.

Miscellaneous coverage is an all-inclusive coverage for delivery cars, business auto, Crime, and Fidelity insurance, Excess liability insurance, Cyber Liability Insurance, and Employment Practices Liability Insurance. It comes in handy when you run out of general liability coverage.

Every brewery owner and operator needs to have a craft brewery insurance policy for industry-specific coverage. This form of insurance protects your brewery against unexpected losses and incidents that cause financial losses. Brewery Insurance also offers protection for;

• Business property coverage
• Workers’ compensation coverage
• Equipment breakdown
• Product contamination
• Tank collapse and leakage coverage

Depending on the nature and operation of your brewery, you may get additional coverages to complement your Craft Brewery insurance. If you are a brewery owner in Houston, TX looking for an insurance agent to insure your business, Outdoor Insurance Services can help with that.