Transit risks for craft beverage freight are significant, and the liability exposure begins the moment product crosses the loading dock threshold. A broken bottle is the obvious loss. The harder ones are invisible: wine chemically ruined inside an intact bottle after hours in a 120°F delivery vehicle, a pallet of spirits diverted through a fictitious… [Read More]
What Roasteries Should Know About Fire and Equipment Risk
In December 2025, a roaster fire at Time & Tide Coffee in Biddeford, Maine knocked the roaster out of service while the Main Street cafe stayed open and the team arranged contract roasting elsewhere. At a roastery, fire risk and equipment risk are the same risk, one failure chain, not two separate perils. Four ignition… [Read More]
Risk Planning for Wineries Expanding Direct-to-Consumer Shipping
Expanding direct-to-consumer shipping opens new states and new revenue for a winery, and it splits the risk in two: the compliance obligations a winery has to manage in every state it ships to, and the physical and liability exposures it can insure. 48 states plus DC permit DTC wine shipping, and each one sets its… [Read More]
What Breweries Should Know Before Hosting Private Events
A taproom license permits you to sell beer on the premises, but in many states it doesn’t automatically allow you to host a private buyout with outside catering, a live band, and 150 guests who’ve never set foot in a production facility. There are five gates to clear before you accept a single booking: license,… [Read More]
Insurance Considerations for Contract Production in Craft Beverage
When a craft beverage brand has its product made or packaged by another company, contract production splits one product’s risk between two companies, and neither party’s policy covers the other by default. Contract brewing (also called co-packing) and alternating proprietorships split the license, the product, and the liability differently. Two questions the model decides: who… [Read More]
Risk Planning for Beverage Businesses Expanding Into New States
Expanding a beverage business into new states adds a new place you can be sued, a new regulator, and new coverage requirements. Your existing insurance does not automatically follow you across every state line. Seven risks change when you cross a state line, and your policy has to be updated before the first sale rather… [Read More]
Planning Insurance for Wineries With Tasting Rooms and Wine Clubs
A tasting room and a wine club turn a winery into three businesses at once: a producer, a public hospitality venue, and a direct-to-consumer shipper, and each one carries its own risk. Two customer-facing operations, each with its own coverage needs, sit on top of the production side. This guide is organized around what those… [Read More]
Insurance Planning for Breweries With Barrel Aging Programs
A barrel aging program ties up months or years of a brewery’s most valuable beer in a single room full of high-proof, spirit-soaked wood, which changes both how much the brewery needs to insure and which risks it has to plan for. Two questions barrel aging changes: how much to insure, and against what. This… [Read More]
How Coffee Shops Can Prepare for Business Interruption Events
A fire, an equipment breakdown, or a power outage can close a coffee shop overnight, and business interruption coverage is what replaces the income the shop loses while it cannot operate. For cafes and coffee shops running on thin margins and daily cash flow, even a week without revenue creates real financial strain. This page… [Read More]
What Happens When Packaging Defects Affect Craft Beverage Products
When a can goes on a shelf, a bottle sheds glass into the beer, or a label lists the wrong ABV, a craft beverage producer faces two costs at once: an injury claim and a recall. The name on the label owns both, even when a supplier caused the defect. Packaging failures are not a… [Read More]
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