Brewery PAK insurance for breweries, beer producers, brew pubs, and tap rooms.

Craft Brewery Insurance

Brewery PAK underwrites craft brewery insurance nationwide on behalf of Great American Insurance Company, an A+ rated carrier we have partnered with since 1996. Coverage is available in 45 states through the licensed insurance agent or broker of your choice.

If you are a brewery business owner, ask your insurance agent or broker to obtain a no-obligation quote from Brewery PAK before your policy expires.

Your Business. Our Specialty.

WE INSURE BREWERIES.

We write small start-ups to the largest in the country. We have worked with the same A+ rated insurance company for 25 years. And we want to work with you.

Is Your Craft Brewery Properly Covered?

Coverage gaps often surface only after a claim. Use the interactive coverage map below to review the exposures common to brewery operations, from taproom liability to tank leakage, and compare them against your current policy.

Visit our Interactive Coverage Map

Download Brewery PAK Factsheet

Download Brewery PAK iRAD Factsheet

Eligible Brewery Risks

Brewery PAK insures brewery operations of all sizes, from production-only facilities to full hospitality businesses. The program accepts 13 eligible risk categories, spanning production, hospitality, retail, and events:

Beer Production
Beer Production for Others
Beer Storage
Barrel Aging Programs
Taprooms
Brewpubs
Gastropubs
Restaurants

Special Events
Beer Stores
Lodging
Farm
Bonds
Catering

Brewery Insurance Coverage

Brewery PAK provides all lines of insurance craft breweries carry, from standard commercial policies to beer-specific coverages built for production losses:

Buildings
Beer Stock
Beer Contamination
Leakage of Beer
Tanks & Barrels
Production Equipment
Specialized Beer Loss Valuation
Beer in Transit
Equipment Breakdown Coverage

Product Withdrawal Expense
General Liability Insurance
Pollution Liability
Liquor Liability Insurance
Cyber Risk / Cyber Liability Insurance
Commercial Auto
Excess Liability
Employment Practices Liability
Workers’ Compensation

Brewery PAK Program Features

The Brewery PAK program combines specialty underwriting with a claims operation built for craft beverage losses. Key program facts:

Available exclusively through licensed insurance agents and brokers.
Offering all lines of liability coverages required for craft breweries
Available in 45 states
Underwritten on behalf of Great American Insurance Company since 1996
Dedicated claims team in place since 2000

Brewery Risk Management Resources

Policy holders receive access to loss prevention services designed for brewery operations, delivered before problems become claims:

Location surveys to evaluate safety, security and fire systems
Evaluations of Building replacement costs and insurance to value
Thermal imaging inspections of building and equipment electrical systems to detect problems that could lead to fire and/or failure
Driver screening; driver training and record management programs
Accident investigation protocols
Wide variety of safety training sessions
Training for responsible serving of alcohol
Emergency planning & evacuation
Identity Theft 911 portal providing online risk management tools

Alcohol Server Certification Training Info

Videos

Get a Quote

Email Acords and supplemental applications to info@pakprograms.com. Questions? Call 888-386-5701.

Download Application

FAQs

How much does brewery insurance cost?

Brewery insurance costs typically range between $5,000 and $18,000 annually for most breweries. A production-only facility like a microbrewery or a craft brewery might sit at the lower end of that range, while adding a restaurant or hosting frequent events introduces significant liquor liability insurance and workers’ compensation risks that can drive costs closer to $15,000 or more for mid-sized operations.

What insurance coverages are mandatory by law for a brewery?

Workers’ compensation, commercial auto insurance, and excise tax bonds are mandatory by law for a brewery. Liquor liability, general liability, and product liability are mandatory for contractual reasons, but now by law. It is key to understand that every specific coverage comes with its benefits and costs. So, it is important to understand the mandatory coverages and select optional coverages accordingly.

How can I lower my brewery insurance premium costs to avoid extra expenses?

To lower your brewery insurance premiums, you should focus on proactive risk management and strategic policy structuring, such as bundling specific coverages into a specialized Business Owner’s Policy (BOP). Investing in formal staff certifications like TIPS or ServSafe and implementing advanced safety measures, such as infrared thermal imaging for electrical systems or drone surveys to assess property vulnerabilities, can often secure significant discounts from underwriters. Additionally, maintaining detailed maintenance logs for quality control and opting for a higher deductible can immediately reduce your monthly costs, provided you have the cash reserves to cover smaller losses out of pocket.

What risks do breweries face?

Breweries face wide range of risks such as equipment failure & breakdown, product contamination, product recalls, liquor liability lawsuits, brewery property damage and so on.

Customer and Agent Perspectives

HUDL Brewing Co

Agents & Brokers

Customer Spotlights

Great Divide Brewing Co

La Cumbre Brewing Co.

Old 121 Brewhouse

Outdoor beer festivals and events held at your Brewery are a great way to create more brand exposure for your brewery and your beers, but you’ll want to make sure you minimize your exposure to the unique risks associated with these events.

Follow this checklist for valuable tips for safety, and contact your brewery insurance agent for assistance in making sure your workers, your product, and your business are protected.

Brewery PAK Beer Festival Safety Checklist