Brewery, Taproom & Winery Insurance
Breweries, taprooms, and wineries combine manufacturing, a tasting room, and (if you distribute) product distribution. You need general liability, liquor liability for the tasting room, product liability, property with equipment breakdown, and workers' comp.
Key exposures
- Production / manufacturing operations
- Tasting-room alcohol service (liquor liability)
- Product liability and distribution
- Equipment (tanks, boilers, refrigeration) and breakdown
- Events and tours
Coverages you typically need
General liability, liquor liability, product liability, commercial property with equipment breakdown, and workers' comp. Whether you distribute and how much you self-serve in the taproom drive the program.
Brew, pour, or bottle? Let's cover production and the tasting room.
FAQ
Do breweries need liquor liability?
If you serve in a taproom or tasting room, yes. Manufacturing and on-site service are different exposures, and both need to be covered.
What about product liability if I distribute?
Distributing packaged product adds product-liability exposure beyond on-site service; disclose your distribution footprint.
General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; terms vary by carrier and state. Related: restaurant & bar insurance · liquor liability · glossary · quick quote.