Craft Brewery Insurance

Craft Brewery Insurance

Equipment Breakdown is the most common cause of losses for any micro craft brewery. Power surges, electrical arcing followed by mechanical breakdown of refrigeration equipment is common for breweries and the beer they make.

Micro Brewery

Craft brewery beer

Covered with craft brewery insurance:

  • *Pressure Vessels            *Grain Mill                 * Filtering Equipment        *Product Spoilage

  • *Mash Tuns         *Leakage of any liquids or powders          *Damaged property Off-Premises

  • *Brew Kettles      *Coverage for underground pipes, flues and drains

All the above is covered on a true craft brewery insurance policy. I’ll tell you of a typical claim for a brewery:

“The compressor supporting a rooftop air conditioning unit sustained mechanical damage due to low refrigerant conditions. The system was replaced due to parts unavailable. In addition, the brewery tasting room was closed due to high temperatures, resulting in loss of income. Property damage paid = $10,475 and Business interruption paid = $1,250 (loss of income from brewery tasting room).” This would be typical of a loss paid out for a brewery-style restaurant or tasting room and not a normal restaurant.

This is a specialized coverage not all insurance companies can effectively handle. Craft Breweries have unique coverage requirements with all the equipment involved in the making of beer. No brewery should be without these very specific insurance coverages to protect their potential losses.

Need help? call us 716-684-3203

Craft Brewery

Tom Larsen, Craft Brewery Specialist

Tom Larsen, President

Larsen Insurance Agency