Insurance for Breweries & Wineries

Breweries and wineries need insurance to keep the operations going when unforeseen circumstances cause a loss to the business, or to others as a result of business operations. The first line of defense is General Liability, which should include coverage for products liability, and defends against claims the business has cause bodily injury and property damage. Commercial Property, Liquor Liability, and Workers Compensation all become essential coverages as the business grows.

Breweries and wineries face risks which can shut operations down including fire, product contamination, on-premise alcohol-induced violence, and much more. Insurance can protect the business when one of these causes of loss would otherwise be so expensive that operations have to cease.

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.

If hosting events is a regular occurrence at the brewery/winery you should build it into your yearly insurance policy. If it is irregular you should take out special events insurance policies for the occasions. If you have additional services like caterers, florists, musicians and additional workers working for the event, you should expect proof of insurance from each independent contractor.