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Brewery Insurance
Allentown, Mertztown, Pine Grove, Schuylkill Haven, Summit Hill, Temple, West Chester, Willow Street, Wyomissing
Choosing the right insurance is essential for your business.
We specifically insure craft breweries, wineries and distilleries, including tasting rooms, brewpubs or restaurants. Your distillery’s exposures are unique, directly based on your business’s individuality. Having the right insurance plan and partner is vital. With professional advice from your independent agent representing Spotts Insurance Group, you can craft the finest beverages for your customers while we focus on your insurance needs.
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Call: (610) 374-2911
Please note: coverage cannot be bound or altered online. A service representative will need to contact you to finalize your request.
What You Need to Know About Brewery Insurance
We’re great at matching your needs with customized insurance plans. Our agents understand how to connect the unique services you offer to custom insurance plans, employee benefits, as well as safety and risk management programs.
Types of Brewery Insurance Coverage
In addition to the general and property liability coverages that every business should carry, the following insurance policies help protect against common exposures faced by brewers in Pennsylvania:
Boiler and machinery coverage: Many smaller breweries are not able to handle the production interruption caused by the loss of a key piece of equipment. This coverage can help with repair or replacement costs for damaged equipment and cover losses resulting from production interruption and downtime.
Supply chain insurance: Many craft breweries do not keep large stocks of ingredients on hand, making regular shipments from suppliers essential. Supply chain insurance will cover losses resulting from decreased production or increased production costs if one or more of your suppliers are unable to provide the materials you need.
Spoilage and product recall: If a batch of beer is contaminated during the brewing or packaging process or spoils before distribution, a provision for spoilage can cover the initial production cost as well as lost revenue. If a contaminated batch is not caught before shipping and the beer makes it to store shelves, coverage for product recall can help offset the costs of removing the tainted product and replacing it.
Liquor liability: Regardless of whether you have a full-service bar or offer beer tastings after tours, liquor liability is essential to cover damage to persons and property caused by patrons who were over-served at your establishment. By mixing and matching these policies based on the unique needs of your operation, you can obtain maximum coverage at an affordable price. Some insurers offer these coverages in packages specifically for craft brewers that can be further tailored to address the needs of your individual operation. If your operation involves a restaurant or other type of food service, you will
need to consider additional coverage for related exposures.