Breweries & Craft Beverage Insurance
Coverage recommendations, carrier options, and cost estimates for breweries & craft beverage businesses — what you need, what it costs, and how to get covered.
Recommended Coverages
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. Common claims include slip-and-fall in taproom.
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Liquor Liability
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Breweries & Craft Beverage businesses, key exposures include liquor liability from taproom. Agent note: Liquor liability is the dominant exposure if operating a taproom
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Commercial Property
recommendedPhysical damage to buildings, business personal property, equipment, inventory, and tenant improvements from covered perils (fire, wind, theft, vandalism). For Breweries & Craft Beverage businesses, key exposures include equipment explosion/fire. Common claims include equipment malfunction/explosion.
Based on replacement cost of building and contents. Business income limits typically 12 months of projected revenue.
$750 - $5,000/year for small businesses; varies widely based on property values, construction type, and location
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Product Liability
situationalCovers claims from injuries or damage caused by products sold or distributed by Breweries & Craft Beverage businesses. Key exposure: product contamination. Common claims include product contamination claim.
Varies by carrier and state
Varies by business size and risk profile
Equipment Breakdown
situationalEquipment Breakdown provides specialized coverage tailored to the risks Breweries & Craft Beverage businesses face. Key exposure: equipment explosion/fire. Common claims include equipment malfunction/explosion.
Varies by carrier and state
Varies by business size and risk profile
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Risk Profile
Physical
Liability
Professional
Property
Top Risks
- Liquor liability from taproom
- Product contamination
- Equipment explosion/fire
- Grain dust combustion
- Distribution liability
Carriers That Write Breweries & Craft Beverage
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$2,000 - $10,000 for businesses with $500K - $5M revenue
Key Pricing Factors
- Annual revenue ($500K - $5M is typical for this class)
- Employee count (5-30 is typical)
- Production volume (barrels)
- Taproom vs distribution ratio
- States distributed to
- Equipment age and maintenance