Brewery Insurance
Guardian Insurance Agency
Blend the right coverages so the beer keeps flowing and the business stays strong.
Breweries face risks from mash to tap: hot work, pressurized systems, CO₂, food safety, tours, events, and alcohol service. A tailored brewery insurance program combines liquor liability, property, equipment breakdown, contamination/spoilage, recall, and business insurance into one clean stack, so one incident doesn’t stall production or sales.
Why breweries need a purpose-built policy
Your risk profile changes with batch size, taproom service, food operations, tours/events, distribution, and mobile equipment. Off‑the‑shelf coverage often misses contamination, spoilage, recall logistics, and boiler/chiller failures that can shut down a brew day. We design protection around how you brew, package, and serve.
Core coverages for breweries
(Coverage varies by carrier and policy; we’ll tailor limits, deductibles, and endorsements to your operation.)
Property & Income (on‑site protection)
- Commercial Property: Buildings, tanks, kettles, piping, packaging lines, barrels, signage, and tenant improvements.
- Business Income & Extra Expense: Replace lost revenue and fund temporary workarounds after a covered physical loss.
- Ordinance or Law: Increased rebuild costs to meet current codes.
- Utility Service (time‑element): Income loss from off‑premises power/water failures.
Equipment & Process
- Equipment/Systems Breakdown: Mechanical/electrical failures of boilers, compressors, glycol chillers, pumps, controls, and sprinkler systems. Includes expediting and often haz‑mat clean‑up (e.g., ammonia).
- Contamination & Spoilage: Losses from microbial contamination, temperature excursions, or utility failure affecting tanks, kegs, and perishable stock.
Liability (premises, products, and alcohol service)
- General Liability & Products–Completed Operations: Bodily injury/property damage from premises hazards and finished products.
- Liquor Liability: Claims tied to alcohol service or sales (taproom, events, tastings).
- Umbrella/Excess Liability: Higher limits over GL/Auto/Employers Liability for catastrophic claims.
- Event Liability: Venue-required coverage for festivals, pop‑ups, and off‑site tastings (COIs with Additional Insured, Primary & Non‑Contributory, Waiver of Subrogation).
People, Funds & Data
- Workers Compensation: Employee injuries (brew deck, hot liquids, slips).
- Employment Practices Liability (EPLI): Harassment, discrimination, retaliation claims.
- Crime/Employee Dishonesty: Theft/diversion of funds or securities; add Social Engineering Fraud.
- Cyber Liability: POS/E‑commerce, loyalty programs, reservations, and donor/member data (if you host charity events).
Distribution, Transit & Mobile Gear
- Commercial Auto / Hired & Non‑Owned Auto (HNOA): Owned vehicles; deliveries; staff using personal or rented vans.
- Inland Marine / Equipment Floater: Mobile gear, rental items, pop‑up bars, festival setups, tents, and displays.
- Motor Truck Cargo / Stock Throughput: Ingredients and packaged product warehouse‑to‑warehouse; reefer/temperature endorsements for canned/kegged beer.
Product Recall & Brand Protection
- Product Recall / Contaminated Products: Recall execution costs, disposal, replacement, business interruption, and crisis management/PR (form‑dependent).
The importance of liquor liability
As an alcohol producer and server, you can be held liable for injuries or property damage arising from intoxication, especially under dram shop statutes. Liquor liability funds defend and settlements when those claims hit and is often required by landlords and venues.
How insurance benefits your brewery
Beyond repairing gear and replacing stock, the right policy keeps cash flowing during downtime, covers spoilage from utility or equipment failure, and pays for recall and PR so you protect your brand and relationships with distributors and customers.
What influences price
- Taproom operations (hours, alcohol sales ratio, food service).
- Production scale & equipment profile (boilers, chillers, packaging lines).
- Tours/events volume; off‑site activations.
- Distribution footprint and transit controls (reefer, routing, security).
- Claims history and documented safety/quality protocols.
- Selected limits, deductibles, and endorsements (contamination, recall, utility time‑element, umbrella).
Practical risk controls (often earn credits)
- Quality & traceability: Lot/batch tracking, retention samples, CIP/SIP logs.
- Cold chain: Temperature monitoring/alarms on cold rooms and glycol; generator or quick‑connects for backup power.
- Life safety: CO₂/O₂ sensors, ventilation, hot‑work permits, eyewash/showers, PPE, floor traction.
- Liquor service: RBS/TIPS training, ID checks, cut‑off procedures, incident logs.
- Maintenance: Boiler service, chiller PM, electrical surge protection, spare critical parts.
- Events & vendors: Written waivers, vendor COIs, site plans, crowd/queue controls.
- Cyber & funds: MFA on POS/back office, offline backups, Positive Pay/ACH filters, dual approvals.
The Guardian way
We walk your brew deck, taproom, and distro, review contracts and vendor COIs, then assemble a clean stack Property/Income, Equipment Breakdown, Contamination/Spoilage, Liquor Liability, GL/Products, Umbrella, Recall, Auto/HNOA, Inland Marine, Workers’ Comp, EPLI, Cyber/Crime with the COIs your landlord, venues, and distributors demand. Fast issuance. No gaps.
Guardian Insurance Agency — Proper protection—prior to peril.
Call
+1 888 388 2864
Visit
1818 E 1st Street #530 Santa Ana CA 92705