Looking for Breweries Insurance?
Protect your brewery from equipment damage, liability claims, product contamination, and distribution risks. Harper provides insurance for craft breweries, taprooms, production facilities, and mobile canning operations, with fast certificates for distributors, landlords, and ABC boards.
What is Breweries Insurance?
Brewery insurance protects brewing operations against risks including equipment breakdowns, visitor injuries, product liability claims, and property damage. Coverage commonly includes general liability, product liability, equipment protection, and liquor liability for taprooms. Distributors, landlords, lenders, and alcohol control boards often require proof of insurance before licensing, leasing, or distribution agreements.
Equipment Protection
Coverage for brewing systems, fermentation tanks, refrigeration units, kegging lines, and other essential brewing equipment.
Product Liability
Protects against claims related to contamination, illness, labeling issues, or defects in your beer products.
Taproom Coverage
Covers visitor injuries, liquor liability, and premises-related accidents for on-site consumption.
Certificates
Fast proof of insurance for distributors, landlords, lenders, and ABC or alcohol control boards.
Who Needs Breweries Insurance?
- Craft breweries : Businesses requiring specialized insurance coverage
- Taprooms and brewpubs : Businesses requiring specialized insurance coverage
- Brewing and production facilities : Businesses requiring specialized insurance coverage
- Contract and mobile brewers : Businesses requiring specialized insurance coverage
Why Harper?
Brewery & Beverage Expertise
Breweries face a unique mix of manufacturing, hospitality, and distribution risk. Harper understands the exposures associated with brewing equipment, product safety, taproom operations, and alcohol regulations, and offers coverage specifically designed for brewing businesses.
Fast Proof for Distribution and Licensing
Distributors, retailers, and regulatory boards often require specific insurance documentation before working with a brewery. Harper delivers accurate certificates quickly and assists with additional insured requests to keep production and distribution moving.
Clear, Practical Guidance
We explain product liability, equipment breakdown, liquor liability, and general liability in clear terms so you understand how coverage applies to your brewing process and taproom operations.
Coverage Matched to Your Operations
Whether you operate a production-only facility, taproom, brewpub, mobile canning operation, or contract brewing setup, Harper helps align coverage with how your brewery operates.
Frequently Asked Questions
What insurance do breweries need?
Most breweries need general liability, product liability, and equipment breakdown coverage. Taprooms typically require liquor liability coverage, and workers' compensation coverage is required if you have employees. Property coverage may apply to buildings and inventory.
Is brewery insurance required?
Yes. Alcohol control boards often require liquor liability for taprooms, distributors require product liability, and lenders commonly require property and equipment coverage.
How much does brewery insurance cost?
Costs vary by production volume, services, and location. Smaller breweries may pay $3,000–$8,000 annually, while larger operations with taprooms typically pay $10,000-$25,000 or more.
Does insurance cover equipment breakdown?
Yes. Equipment breakdown coverage can protect brewing systems, refrigeration, and other essential machinery from mechanical or electrical failures.
Does insurance cover product contamination?
Product liability coverage may apply to claims arising from contamination or illness when proper brewing, sanitation, and safety procedures are followed.
Can I add distributors as additional insureds?
Yes. Distribution agreements often require adding distributors as additional insureds, and Harper assists with certificates and endorsements to ensure compliance.