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]

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]

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]

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]

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]

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]

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]

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]