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 lets go 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. This article walks through… [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]
Insurance Considerations for Beverage Businesses With Shared Production Space
When a beverage business produces in shared space, such as a custom crush winery, an alternating brewery proprietorship, or a co-packing arrangement, insurance follows the brand rather than the building, so the business whose name is on the label usually carries the product liability. Four common shared-space arrangements, custom crush, alternating proprietorship, contract brewing, and… [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]
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]
Why Contamination Coverage Matters for Beverage Producers
Beverage production relies on consistency, controlled environments, and precise processes. Even with established quality controls, situations can arise where product no longer meets internal standards or regulatory expectations. When this happens, the operational and financial impact can extend beyond the affected batch. For wineries, breweries, and liquor producers, these scenarios are why beverage contamination insurance… [Read More]
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