Craft Brewery Insurance
Brewing craft beer is equal parts art and business, and both carry real risk. Craft Brewery insurance gives brewery owners the specialized protection they need when a product liability claim, a taproom incident, or an equipment breakdown threatens everything in the tank.
Protecting the Passion and the Product Behind Every Pint
Running a craft brewery means managing a production facility, a taproom, a retail operation, and a distribution network all under one license. A contaminated batch, a taproom injury, a liquor liability claim, or a catastrophic equipment failure can generate losses that a standard commercial policy was never designed to handle.
Product Liability
Covers claims alleging that a beer or beverage you produced caused a customer illness, injury, or adverse reaction, protecting your brewery from the legal and financial consequences of a product-related incident after the sale.
Liquor Liability
Covers claims arising from alcohol service in your taproom, including incidents involving intoxicated guests that occur on your premises or after they leave, a critical coverage for any brewery operating a public tasting room.
Commercial Property and Equipment Coverage
Protects your brewing equipment, fermentation tanks, kegging systems, taproom furnishings, and inventory against fire, theft, breakdown, and other covered perils that could halt production and revenue.
Business Interruption Coverage
Compensates you for lost revenue when a covered event forces a production shutdown or taproom closure, keeping your financial obligations covered while your operation is restored and back online.
Insurance Unlimited Benefits
Local Expertise
We understand life in the West and the risks that come with it. From mountain roads to sudden storms, our team knows how to match coverage to the realities of our communities.
Personal Relationships
Insurance is not one size fits all. We take the time to get to know you, your family, or your business so your coverage reflects what matters most.
Trusted Support
When the unexpected happens, you will have a partner who stands with you. Our agents are here to guide you through claims, answer questions, and provide peace of mind every step of the way.
Small Batch and Independent
Smaller operations carry full production, taproom, and product liability on a tighter budget with less margin to absorb an unexpected claim.
Regional Breweries
Larger breweries managing multiple taproom locations, distribution accounts, and high-volume production face compounded liability across every pint poured and every account served. Scalable coverage ensures every location, every batch, and every customer interaction is consistently protected.
Built for the Owners Behind Every Craft Pour
Craft breweries operate at the intersection of food production, alcohol service, and retail hospitality, creating a layered risk profile that standard commercial policies are not equipped to handle. Whether you are a small batch operation or a growing regional brand, your coverage needs to match every dimension of what you produce and how you sell it.
Real Stories from
Our Community
We’re proud to protect what matters most to our neighbors. These real stories from real clients reflect the trust, service, and peace of mind that define Insurance Unlimited.
Frequently Asked Questions
Your success is at the heart of everything we do. As trusted insurance agents, we’re here to provide clear answers and expert guidance, helping you navigate challenges, uncover opportunities, and achieve lasting growth.
Does my general liability policy cover product-related claims from beer I distributed?
No. General liability covers premises incidents, not product claims. Product liability is a separate coverage that follows your beer into the market, covering claims that arise after a customer purchases or consumes your product away from your taproom or retail location.
Is liquor liability included in a standard craft brewery policy?
Not always. Liquor liability is frequently excluded from standard commercial policies and must be added specifically. Any brewery operating a taproom or selling alcohol for on-site consumption needs liquor liability as a dedicated component of their insurance program, not an afterthought.
What happens if a contaminated batch forces a product recall?
Product recall is a separate coverage that most standard brewery policies do not include automatically. Recall costs including consumer notification, product retrieval, and disposal expenses can be significant. If your brewery distributes beyond the taproom, discussing product recall coverage with your agent is essential before a batch issue becomes a brand crisis.
Ready to Get Started?
Protect your home, your business, and your future. With Insurance Unlimited, you’re covered every step of the way, from plains to peaks.
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