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Brewery Insurance

You pour your heart and soul into brewing the best beer around.

Isn’t it time you had a brewery insurance partner that works as hard as you do?

At Tomins, we take the time to understand your unique business before designing a quote.

Just like the business owners we serve, our team works overtime to make sure we are always offering the right coverage at the right price, giving you the peace of mind of knowing you’re covered.

Our 24/7 online portal gives you instant access to the policy documents and answers you need, the moment you need them.

The best part?

Coverage from Tomins is powered by Higginbotham and backed by a seasoned team of Brewery Insurance veterans that know your industry like you do.

Tomins—mindful insurance today, successful brewery tomorrow.

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Why Do I Need Brewery Insurance?

Outside of the unavoidable liabilities involved in the production process, running a brewery carries a unique risk exposure. From the legal liability of hiring and employing to the liabilities involved with serving alcohol to the public for consumption, each day as a brewery owner brings different risks.

While you’re probably well aware of the importance of General Liability and Commercial Property Coverage, holding just these coverages can leave a Brewery owner with critical coverage gaps.

Rather than leaving you worrying about whether or not you’re covered, Tomins’ customized Brewery Insurance is designed with your unique business in mind.

The last thing you need is another thing keeping you up at night—get your free Tomins Brewery Insurance quote today.

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Man wheeling a beer keg on a stainless steel dolly through a brewery with three other employees, a row of kegs, and stainless steel fermentation tanks in the background

Which Insurance Coverages Should My Brewery Carry?

Here at Tomins, we deliver thoughtful business insurance tailored around your specific needs. Just like each beer you brew undergoes a different process with different ingredients, each policy we design is crafted with your business in mind.

With that said, there are a few coverages that almost every business should carry:

1.) Commercial Property Insurance

Commercial property insurance helps protect your business’s physical property, building or buildings, inventory, and the assets you have in those buildings.

It’s important to note that standard commercial property coverage typically will only protect you against damages specifically outlined in your policy’s documentation (e.g. fires, wind, explosions, smoke, vandalism, etc.).

In certain cases, however, a specialized Package can offer Coverages for Special Causes of Loss.

Unlike standard commercial property coverage, broadened coverage is designed to protect against loss from all potential causes, except for those specifically excluded in the policy documents.

2.) Brewery General Liability Insurance

 General liability (GL) insurance is critical for all small business owners.

It covers your legal liability for damages your business inflicts on others for covered causes. GL coverage can help you cover expenses including, but not limited to, injuries to others, product recalls, lawsuits, settlements, legal fees, court costs and more.

3.) Business Income Insurance

Also known as business interruption insurance, business income insurance helps replace the income you lose as the result of another covered claim that interrupts your business.

In some situations, business income coverage can even cover the added expense of operating your business out of a temporary office while your home office is being rebuilt.

These essential coverages can be bundled into a custom Business Commercial Package, often saving a business owner some premium costs in comparison to carrying separate policies.

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Other Important Brewery Insurance Considerations

Equipment Breakdown

This coverage can assist with the cost of repairs to equipment broken down or damaged equipment.

Commercial Auto

This coverage is crucial for any business that owns vehicles or frequently requires employees to use their personal vehicle for business purposes. The liability generated from accidents in which a personal vehicle was used for business purposes is not covered by Personal Auto Policies.

Property in Transit

Also known as Inland Marine Coverage, this coverage can help a business with the cost of damaging property owned by another party in transit. If your brewery does deliveries, it’s a good idea to include property in transit coverage in your policy.

Liquor Liability Insurance

If your brewery has a tasting room, you should probably be carrying Liquor Liability Insurance. This coverage is designed to protect a brewery against the risks of serving alcohol to the public on-premise.

Assault & Battery Insurance

Much like Liquor Liability, Assault & Battery Insurance is critical if you offer tastings. As a brewery owner, you know better than most that the likelihood of a fight or injury is increased when alcohol is involved.

Employment Practices Liability

If your brewery has employees, EPLI is another important coverage to carry. This insurance can help protect against the cost of lawsuits filed for sexual harassment, improper hiring, discrimination, slander, and more. 

 Umbrella Coverage

This coverage can protect a brewery beyond the payout limits defined in their standard policy.

Alongside these coverages, Tomins also offers fully customizable coverage for any individual situation. Our specialized Brewery Insurance policies can also include:

  • Limited Care, Custody, or Control Property Coverage
  • Important Record and Document Coverage
  • Employee Benefits Liability Coverage
  • Professional Liability (E&O)
  • Cyber-Attack Coverage

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How Much does Brewery Insurance Cost?

Coverage packages that make sense for one Brewery oftentimes do not make sense for another.

At Tomins, our dedication to understanding your business enables us to design a policy that makes sense for your needs. We are committed to providing the right coverage at the right price for every business we serve.

Get your free personalized Tomins Brewery Insurance quote today.

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What Do I Need to Get a Brewery Insurance Quote?

At Tomins, we are in the business of making brewery insurance easy. Start your free, personalized insurance quote now at our online quote page.

To help us design the best Brewery Insurance policy for your business, we ask that you gather the following information before applying:

  • Business address and tax ID 
  • Income for your most recently completed fiscal year 
  • Number of employees you currently employ
  • Information about other insurance you currently hold
  • Volume, nature, and storage method tenant or client data  
  • Proof of professional licensing and other relevant certifications or permits  
  • History of past claims (at least three years) 

Tomins—mindful insurance today, successful brewery tomorrow.

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