Adding outdoor seating to a coffee shop, or cafe, changes the insurance it needs. A patio or sidewalk area adds liability for a larger space, exposes property to the weather, and often comes with permit and lease requirements that a counter-service space never faced. This blog covers four areas where outdoor seating changes your coverage:… [Read More]
How Wine Storage Decisions Can Affect Winery Insurance Needs
Where and how a winery stores its wine, from on-site tanks and barrel rooms to off-site warehouses and cased finished goods, changes the perils it faces and what its insurance has to cover. Four storage decisions shape your coverage requirements: where the wine is located, how it’s stored, how temperature-sensitive it is, and how much… [Read More]
How Breweries Can Manage Risk When Expanding Distribution
Expanding distribution puts more of a brewery’s beer in more accounts, through more partners, which widens its product liability, deepens its dependence on distributors, and adds the cost and risk of moving product to market. This page covers the risk-management and insurance side of that growth: three distribution models, each with its own risk profile,… [Read More]
Co-Packer, Custom Crush, and Shared Facility Insurance: Who Covers What
When a food or beverage brand produces in a facility it does not own, insurance follows the brand rather than the building, so the business whose name is on the label usually carries the product liability. Five arrangements set that allocation differently: custom crush, alternating proprietorship, contract brewing, co-packing, and shared commercial kitchens. This page… [Read More]
Cyber Insurance in the Beverage Industry: Why It’s More Critical Than You Think
Craft beverage businesses do not typically think of themselves as cybercrime targets. No proprietary technology, no sensitive government contracts, no financial institution data. What is there to steal? Quite a bit, it turns out. Every taproom running a point-of-sale system, every winery with an online wine club, and every tasting room collecting customer emails for… [Read More]
What Optional Coverages Should You Select in Winery Insurance?
The core of a winery insurance program addresses the exposures that nearly every winery carries. Commonly, it includes property, equipment breakdown, general liability, and liquor liability — the 3 most important and basic coverages that a winery should have. But “basic” and “important” extend to other types of coverages in this industry when your operations… [Read More]
What Happens When Your Espresso Machine Breaks? Equipment Breakdown Coverage for Coffee Shops
Your espresso machine goes down at 7 a.m. on a Saturday. The line is already forming. Your backup grinder is struggling. By 8 a.m. you’ve turned away a dozen customers. By noon, you’ve lost a full day of revenue and you’re on the phone with a repair technician who can’t get there until Monday. This… [Read More]
Does Brewery Insurance Cover Property Damage? Understanding Commercial Property Protection
A fire in the grain room. A burst pipe that floods your cold storage. A break-in that takes your laptop and empties the cash drawer. For these scenarios, yes — brewery insurance does include commercial property insurance, and it’s designed to respond. But the full answer is more layered than that, and the gaps tend… [Read More]
What Does Liquor Liability Insurance Cover During Private Events or Weddings?
Private events and weddings are among the highest-exposure situations any alcohol-serving business takes on. Long service windows, large guest counts, and open bars, the conditions that make an event memorable, are often the same ones that drive liquor liability risk. What does liquor liability insurance cover in these settings? The short answer is third-party claims… [Read More]
Do You Really Know How Much Is Liquor Liability Insurance?
Most business owners asking how much is liquor liability insurance expect a number. The honest answer is: it depends — and not in the vague, unhelpful way that phrase usually gets used. The cost of liquor liability coverage shifts considerably based on how your business serves alcohol, where you’re located, what your sales volume looks… [Read More]
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