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What is brewery insurance?

Brewery insurance is a set of policies designed specifically for craft breweries. If you run a craft brewery, you need insurance. No ifs, no buts. If you serve alcohol to customers, then at the very least, you need to have liquor liability coverage. That’s one example. General liability is another coverage that you’ll likely need without exceptions – again, to ensure you are protected should a third party (such as a customer) get injured inside your brewery.

There are, of course, other coverages you should consider, including one for your commercial property (the brewery itself) as well as protection in the event of spoiled batches or product contamination. Most coverages may seem extraneous – until you realize just how prevalent some of these incidents can be. After all, breweries file claims all the time. Just because certain incidents haven’t impacted you yet doesn’t mean they won’t down the road.

The smart choice is to be prepared for anything. Within budget, of course.

What brewery insurance includes

Brewery insurance typically encompasses several key components. Some of the key ones include the following:

Recommended add-ons for brewery insurance coverage

While standard brewery insurance offers robust protection, there are several add-ons to consider for comprehensive coverage, including these.

Common types of brewery insurance claims

If you’re not convinced that insurance is a requirement – or that, perhaps, certain coverages are pointless – here are some examples of the types of claims breweries file:

How much does brewery insurance cost?

The cost of your insurance will depend largely on the size of your brewery. Smaller breweries should expect to pay between $1,500 and $3,000 a year, whereas bigger ones might pay between $5,000 and $10,000 a year.

Some of the factors that could impact your premiums include:

We recommend talking to a broker or getting a quote through a comparison site like LowestRates.ca, where you can look up rates in just a few minutes for free.

How to get the cheapest brewery insurance rates?

Securing affordable brewery insurance requires a strategic approach. With that in mind consider these tactics:

Brewery insurance in Canada: What you need to know

Brewery insurance requirements in Canada vary by province, but there are some key considerations for all Canadian craft brewers. Understanding local regulations and industry standards is essential for compliance and protection.

In Canada, breweries must adhere to strict health and safety regulations, which can impact insurance coverage. Ensuring your brewery meets these standards can help you secure better insurance rates and reduce the risk of claims.

Additionally, Canadian breweries should be aware of the unique risks posed by the country's climate. Harsh winters and extreme weather conditions can lead to property damage and business interruptions. Ensure your insurance coverage accounts for these environmental factors.

Your questions about brewery insurance, answered

What types of insurance are essential for a brewery?

Essential insurance types for a brewery include general liability, property, business interruption, and product liability insurance. These coverages protect against common risks such as third-party injuries, property damage, operational disruptions, and product-related claims.

How do I choose the right insurance provider for my brewery?

Choosing the right insurance provider involves researching their experience in the brewery industry, their reputation, and the coverage options they offer. Working with an insurance broker who specializes in brewery insurance can provide valuable insights and help you find the best provider for your needs.

Can I adjust my coverage as my brewery grows?

Yes, it's crucial to regularly review and adjust your insurance coverage as your brewery expands. Increasing production, adding new equipment, or offering additional services can impact your risk profile and insurance needs. Regularly updating your coverage ensures continued protection.