Not every insurance provider understands what a winery is. A commercial agent who primarily works with restaurants and retail businesses can write a policy for a winery — but it’s unlikely to reflect the actual value of your aging inventory, the nuances of your tasting room liability, or the way equipment breakdown coverage interacts with… [Read More]
How Often Should I Review My Brewery Insurance?
Most brewery owners set up their insurance when they open, renew it every year, and don’t think much about it in between. That’s understandable — you’re running a production facility, managing a taproom, dealing with distributors, and trying to keep the beer flowing. Insurance isn’t the first thing on the list. But craft breweries change… [Read More]
How to Lower Your Coffee Shop Insurance Cost Without Cutting Protection
Insurance cost is a real line item for a café. For an independent operator managing tight margins, the annual premium renewal invites a hard look — and sometimes, the instinct to cut. That instinct isn’t wrong. But where you cut matters enormously. Pulling equipment breakdown coverage to save a few hundred dollars makes sense until… [Read More]
Who Needs Liquor Liability Insurance as State Alcohol Laws Tighten Nationwide?
If your business serves, sells, or pours alcohol, liquor liability insurance belongs in your coverage stack. That’s the short answer. But the fuller picture matters more right now — because states across the country are tightening dram shop laws, expanding who can be held liable and under what circumstances. The exposure isn’t theoretical. A single… [Read More]
Helping Clients Prepare for Wildfire Season: Insurance Tips for Vineyards & Wineries
Wildfire insurance for wineries has gone from a niche concern to a front-of-mind issue for agents across the Western US. Fire seasons are longer, burn areas are larger, and wine country sits squarely in the path. California’s North Bay, Oregon’s Willamette Valley, Washington’s Columbia Gorge — these aren’t hypothetical risk zones. They’re active ones. But… [Read More]
Do Cafe & Coffee Shop Businesses Need Insurance?
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]
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