Insurance for Breweries & Wineries

Breweries and wineries are in a complex and demanding business. Adding to that are just about every risk you face while growing, blending and selling your product. You need insurance to cover the risks involved when running your business. The most common is when your business is liable for making people drunk. When you don't have Liquor Liability or another insurance to back you up, your business will get into financial ruin just for that lawsuit alone.

Similar to a manufacturing plant, you also face the risk of selling liquor in your store. You must ensure the ingredients in your wine or beer are free of contaminants that could affect their cleanliness. Broken or damaged equipment during the manufacturing process could force you to close temporarily. Employees may file a case for employer negligence when they got sick on the job. And because your business sells alcohol, Liquor Liability is mandatory for wineries and breweries.

When your grapes are unable to produce wine, be it a viral infection, weather events, fires, floods, and other hazards make sure to protect your profits with Crop Insurance. Crop Insurance will reimburse the costs of the damage from fire, floods, weather events and other unforeseen hazards.

When you hold special events like tours, wine tasting, and other special events you heighten the risk for your business. This is because many of these events are held on the place where you have your wineries and vineyards. You may also need additional employees like caterers, florists, musicians and additional workers working for that event. This means that you'll need additional winery insurance policies to make sure your business is protected.