Today, more people are starting their own businesses, particularly craft breweries. Every business needs insurance to cover potential losses and protect its property and income. This includes breweries. Although commercial insurance is a wise thing to have, breweries have more risks involved. This means that they need something with more coverage than what regular business insurance would give. This is where craft brewery insurance comes in.

What is craft brewery insurance?

Craft brewery insurance has a lot of similarities to commercial insurance, but it also covers a lot more, such as brewery equipment, tank leaks, and much more. Here are some of the things brewery insurance can cover:

Business property coverage

Suppose something happens to your property, like a fire, natural disaster, or other types of damage. In that case, business property coverage will help pay for the damage to your property so that you can stay in business.

Tank coverage

Your product has to be stored somewhere. Most breweries store their product in tanks. If one of your tanks is damaged or leaking, your insurance can be used to replace the tank so that you lose the least amount of product possible.

General liability coverage

Suppose a customer or employee gets hurt or their belongings get damaged due to the fault of the business. In that case, general liability insurance can cover the costs of medical bills, lawsuits, or the replacement of their belongings.

Equipment breakdown coverage

The brewery equipment is not included in a typical business insurance policy. This is one of the reasons why brewery insurance is helpful to have. Brewery insurance helps cover the costs of equipment if the equipment breaks down.

Liquor liability coverage

Liquor liability coverage is a bit different from general liability. Any business that sells alcohol is required to carry liquor liability insurance. This covers property damage and bodily injury due to over-intoxicated customers.

Contact Us

If you are looking into opening a craft brewery and need brewery insurance, we would be happy to help you here at Outdoor Insurance Services in Houston, TX.