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]
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]
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]
Why Selling Price Valuation Matters for Craft Beverage Inventory
Craft beverage inventory valuation decides how much you recover when finished stock is lost, and standard property insurance often values that stock at cost, which leaves the profit margin and years of appreciation uninsured. Selling price valuation is the method that closes this gap, insuring finished stock at the price it would have sold for… [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]
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]
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]
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]
