What Kind of Insurance Dr I Need to start a Brewery?
- Nate Jones, CPCU, ARM, CLCS, AU
- Nov 10
- 2 min read
Starting and running a brewery is an exciting venture, but it comes with unique risks that can impact your business financially and operationally. From brewing equipment breakdowns to customer liability claims, the right insurance coverage is essential for protecting your investment and staying compliant with regulations.
At Wexford Insurance, we specialize in brewery business insurance tailored to the beverage industry, so you can focus on brewing great beer while we handle the risk.
Why Brewery Insurance Is Essential
Breweries face operational, financial, and regulatory challenges every day. Without proper coverage, you could be exposed to:
Customer injury claims
Liquor liability lawsuits
Equipment damage or breakdown
Business interruption due to fire or natural disasters
Employee injuries
Insurance isn’t just a safety net—it’s often a requirement for leases, licenses, and commercial contracts.
Types of Insurance Coverage Every Brewery Needs
Protects your business against claims of bodily injury or property damage. For example, if a customer slips in your taproom, this coverage handles legal and medical costs.
Required for any business serving alcohol. It covers claims if a customer becomes intoxicated and causes harm to themselves or others.
Safeguards your building, brewing equipment, and inventory against fire, theft, or natural disasters. Breweries often invest hundreds of thousands in equipment—don’t leave it unprotected.
Brewing equipment is the heart of your business. Equipment breakdown coverage protects against costly repairs or replacements if machinery fails unexpectedly.
Covers claims related to your beer products, such as contamination or allergic reactions. This is critical for breweries distributing to bars, restaurants, or retailers.
Mandatory if you employ staff. It covers medical expenses and lost wages for employees injured on the job.
Provides financial support if your brewery must temporarily close due to a covered event, such as fire or equipment failure.
If your brewery delivers beer to bars, restaurants, or retailers, you need commercial auto coverage. It protects your vehicles and drivers against accidents, property damage, and liability claims during transportation.
How Brewery Insurance Protects Your Business
Compliance: Many states and landlords require proof of insurance before granting licenses or leases.
Credibility: Insurance shows partners and distributors you run a professional, risk-managed operation.
Financial Security: Avoid devastating out-of-pocket costs from lawsuits or disasters.
At Wexford Insurance, we customize coverage to fit your brewery’s size, operations, and risk profile.
Final Thoughts
Insurance is not optional for breweries—it’s a necessity. From liability protection to property coverage, the right policy safeguards your business against unexpected risks. Partner with Wexford Insurance for specialized brewery insurance and brew with confidence.
Contact us today.