Yes — and the question of whether café and coffee shop businesses need liability insurance isn’t really about size or format. A single-location independent café, a specialty roastery with a wholesale program, a coffee cart doing weekend markets — each one carries real operational risk. Injuries happen on premises. Equipment fails. A customer’s laptop gets… [Read More]
How Often Should You Review Your Winery Insurance Policy?
A winery is not a static business. Each vintage brings production decisions that affect what’s in your tanks and barrels. A new tasting room buildout changes your liability profile. A wine club that doubles in membership changes your distribution exposure. Lodging added to an estate property creates new hospitality risk. The question of how often… [Read More]
What Types of Insurance Are Essential for Craft Beverage Manufacturers?
You spent months dialing in the recipe. The fermentation is on schedule, the batch is looking clean, and then — a glycol chiller fails overnight and you’re staring at a ruined tank of beer two days before packaging. Or a contaminated batch gets into distribution and you have to initiate a product withdrawal. Or a… [Read More]
5 Red Flags Agents Should Watch for When Insuring a Craft Distillery
Craft distilleries are one of the more complex risks in the beverage space — and one of the most rewarding niches to serve well. The production environment alone involves open flames, highly flammable ethanol vapor, and pressure equipment. Add a tasting room, a retail counter, and a barrel warehouse aging hundreds of thousands of dollars… [Read More]
Dram Shop Laws: What Every Liquor Retailer Needs to Know
Liquor retailers operate in a regulatory and legal environment that differs from most other retail businesses. When alcohol is sold, liability considerations can extend beyond the point of sale, depending on how state laws interpret responsibility. One of the most important legal frameworks shaping this exposure is dram shop law. Understanding how these laws work… [Read More]
From Espresso to Equipment: What Insurance Do I Need for a Coffee Shop?
Opening or running a coffee shop means balancing craft with responsibility. Espresso machines hum all day, customers move through tight spaces, and employees work quickly around heat, water, and electricity. These realities lead many business owners to ask themselves “what insurance do I need for a coffee shop”?, and whether a basic policy truly protects… [Read More]
The Different Types of Brewery Insurance Explained
Types of Brewery Insurance is a topic every brewery owner needs to understand before a loss forces the matter. The business of brewing blends manufacturing, hospitality, warehousing, and distribution into one business, and each function creates a different type of risk. Insurance is only useful when coverage aligns with how your brewery operates. Many breweries… [Read More]
What’s Covered by Winery Insurance? Understanding Your Protection
Winery owners manage a unique mix of production, storage, hospitality, and distribution exposures. Once grapes are harvested and wine production begins, those risks shift quickly and become more complex. That reality often leads to one important question: what is covered by my winery insurance? The answer depends on whether the policy is designed specifically for… [Read More]
How to Get Liquor Liability Insurance Through a Specialized Beverage Insurer
For wine, beer, and liquor businesses, liquor liability exposure is shaped by how alcohol is sold or served, where those activities take place, and how state laws interpret responsibility. Once businesses understand this exposure, the next question often becomes practical: how to get liquor liability insurance in a way that reflects real operations. Key Takeaways … [Read More]
Liability Insurance for Cafés & Coffee Shops: Why Every Operator Needs It
A café that runs from 6am to 8pm daily brings constant customer interaction, fast-paced workflows, and movement in tight spaces. Those conditions create exposure, even in well-managed shops. This reality leads many operators to ask whether cafe & coffee shop businesses need liability insurance, or if maybe it’s optional protection for them. Liability insurance aka… [Read More]
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