Brewery Insurance for Brewpubs, Taprooms, and Craft Brewers
Food Liability Insurance Program (FLIP) coverage is built to shield your business from accidents and property damage claims stemming from your business.
Benefits of Brewery Insurance
Cheers to the perks you get when you safeguard your business with FLIP.
Meet Legal Requirements
Local laws and building leases often require liability coverage, especially when alcohol is involved. FLIP’s brewpub insurance satisfies those conditions.
Protect Your Bottom Line
When an expensive claim catches you off guard, your FLIP policy can help cover costs, including legal fees, medical bills, and property repairs.
Build Trust
Being insured signals to customers, employees, and landlords that you take safety seriously and are financially prepared if something goes wrong.
What Is Brewery Insurance?
Brewery insurance is a type of restaurant insurance designed to shield brewpubs and craft breweries from the cost of common claims. It often includes a combination of general liability, liquor liability, and commercial property insurance.
Your craft brewery insurance policy can cover a variety of claims, including:
- Third-party bodily injuries (injuries to other people) and property damage caused by your business activities
- Third-party bodily injuries and property damage caused by intoxicated patrons you served alcohol to
- Damage to your own property (on and off-site)
- Foodborne illness (claims that your beverages or food made a customer sick)
- Workplace incidents (such as allegations of harassment, discrimination, and wrongful termination, as well as work-related injuries and illnesses)
Insurance for breweries can help cover the resulting costs of these claims, allowing you to focus more on crafting new brews and less on covering unexpected expenses.
Are you a bartender or the owner of a mobile alcohol-serving business? Then you need insurance for bartenders, specialty coverage designed to protect non-brick-and-mortar professionals and businesses that serve alcohol from similar claims.
Serve beer or alcohol from a food trailer? Explore food and beverage trailer insurance to protect your on-the-go business from liability claims.
What Kind of Insurance Does a Brewery Need?
Breweries and brewpubs need a combination of property and liability coverages to shield against some of the biggest risks they face. With FLIP, you create a personalized policy that combines a mix of the following coverages to prevent paying out of pocket for a variety of accidents.
Coverage | What It Covers | Example Claim |
Damage to property and injuries to other people (third parties) caused by your business operations | A customer slips on spilled beer in your taproom and breaks their wrist when they fall | |
Third-party property damage and bodily injuries caused by an intoxicated patron you served alcohol to | An overserved customer leaves your brewpub, causes a car accident, and you’re named in the lawsuit because you served them alcohol | |
Third-party injuries or property damage caused by your beer or other food/drink products | Multiple customers get sick from a contaminated batch, leading to medical claims and legal action | |
Claims related to libel, slander, or copyright infringement in your advertising/marketing | A local brewery claims you ripped off their slogan and sues you for copyright infringement | |
Limited property damage coverage for a space you rent | A small fire in your brewery’s kitchen causes damage to the building you rent, requiring expensive repairs | |
Commercial property | Damages to your building (if you own it) and its contents (e.g., brewing equipment, inventory, and furniture) caused by a covered event | A fire damages your brewhouse, stored kegs, and furniture in the taproom |
Employment Practices Liability Insurance (EPLI) | Claims related to employee treatment (e.g., harassment, wrongful termination, and discrimination) | A disgruntled former bartender sues you for wrongful termination |
State-mandated benefits for employees who develop work-related injuries or illnesses | A brewer injures their back while moving kegs and needs time off and rehabilitation before they can return to work | |
Business income interruption | Lost income and operating expenses if you have to close your business due to a covered event | A storm forces you to close your taproom for two months, causing you to lose revenue |
First- and third-party costs stemming from data breaches, hacks, and other cyberattacks | Customer data is exposed when your point-of-sale (POS) system is hacked | |
Equipment breakdown | Mechanical or electrical failure of your business equipment | Your glycol cooling system fails, ruining multiple fermentation batches |
Damage or theft of mobile or off-site business equipment | Your portable draft systems are stolen while at an off-site beer festival | |
Brewer’s bond (not insurance — a surety bond) | Guarantees you’ll pay federal excise taxes on the alcohol you produce, as required by the TTB (Alcohol and Tobacco Tax and Trade Bureau) | You forget to pay federal excise taxes, so your bond covers the outstanding amount on your behalf, then seeks repayment from you |
How Much Does Brewpub Insurance Cost?
On average, FLIP customers pay $6,900 per year or $575 a month for brewery insurance. Some of the most important factors that determine the cost of your premium include:
- Your gross annual revenue
- Your location
- Your payroll
- The services you offer
- Your claims history
- Whether you rent or own your location
- That you serve/sell alcoholic beverages
What Customers Are Saying About FLIP
Here’s what other food and beverage business owners have to say about their experience from over 450 reviews.
Brewery Insurance Coverage Details
General Liability Aggregate Limit
Starts at $2,000,000
Products-Completed Operations Aggregate Limit
Starts at $2,000,000
Personal and Advertising Injury Limit
Starts at $1,000,000
General Each Occurrence Limit
Starts at $1,000,000
Damage to Premises Rented to You Limit
Starts at $50,000
Liquor Liability Occurrence & Aggregate Limit
Starts at $1,000,000
FAQs About Craft Brewery Insurance
How Do I Get Brewery Insurance?
Insure your business with FLIP in just a few steps:
- Start your application
- Answer questions about your business and submit your application
- A licensed agent will get in touch with you to provide your free quote and help you purchase your policy
Can I Bundle Multiple Coverages Into One Policy for My Brewery?
Yes! With FLIP, you can bundle several coverages together to create the perfect custom policy for your business. These coverages include:
- General liability
- Liquor liability
- Product liability
- Commercial property
- Employment Practices Liability Insurance (EPLI)
- Workers compensation
- Business income interruption
- Cyber liability
- Equipment breakdown
- Tools and equipment (inland marine)
- Brewer’s bonds
Does My Policy Cover Leased or Financed Brewing Equipment?
Yes, if you add commercial property coverage to your policy, it can cover damage or theft to your leased equipment.
Does My Policy Cover Bartenders and Servers?
Workers compensation insurance can cover costs related to your employees’ work-related injuries and illnesses, such as hospital bills and rehabilitation expenses. You can bundle this coverage with your brewpub insurance policy.