Breweries do more than brew and sell beer; they bring communities together. When customers step inside a brewpub, they’re greeted with a cold pint, an array of board games, and tasty snack options to share with friends. And it’s that part—the sharing with friends—that drives so many brewery owners to open their doors.
At Nesbit Agencies, we know that the art of brewing beer is much bigger than the beverage itself, and because of that, protecting your operations, employees, and customers is just as important as your brew’s secret ingredient. We know that getting the right insurance coverage for your brewery can feel overwhelming, but we’re here to make it go down easier than next month’s feature pint.
Coverage As Unique As Your Craft
In any situation where alcohol is served, business liability coverage is paramount. Not only do breweries need to protect their equipment, products, and storerooms, but they also have to protect their employees and customers. There’s a lot that goes into a single pour of your signature IPA, and at Nesbit Agencies, we offer coverage that accounts for every step of the process.
As part of your brewery insurance, you’ll want to include some combination of the following coverage options:
• Business Auto
• Commercial Property
• Contamination and Spoilage
• Crime
• Cyber Liability
• Employment Practices Liability
• Equipment Breakdown
• Liquor Liability
• Product Recall
• Workers’ Compensation
Policy coverage options will need to take multiple factors into consideration such as location, size, delivery options, special events, and more. Every element that goes into running a successful brewpub can necessitate additional coverage. Be sure to give your insurance agency a clear overview of your day-to-day operations in order to secure the best protection.
The Importance Of Liquor Liability Coverage
Because of the nature of your business, liquor liability is always involved. When serving patrons alcohol, the brewpub can end up being held liable if someone is overserved and causes bodily harm or property damage. Even with stringent policies in place to avoid overserving a guest, breweries need to be prepared for the worst-case scenario. Only liquor liability coverage can stand up to alcohol-related risks.
Special Event Protection
If your brewery hosts special events like weddings and parties, you’ll need coverage that protects you before, during, and after those events. If your brewery is involved in pub crawls or brewery tours, be sure to let your insurance agent know. Although special events boost customer numbers and drive growth, they come with additional liability exposure for your business.
Managing Beers & Business
We know how hard your team works to curate a memorable, community-focused experience for guests, and we want you to be able to focus on doing just that. Well, and making amazing beer, of course.
With the right insurance coverage in place, you can stick to what you do best, and we’ll stick to what we do best—protect businesses, their patrons, and their employees from the everyday risks of bringing their vision to life.
