Distillery Insurance

Distilling craft spirits is a tough business.

From milling to mashing to fermentation, each step of the process of making spirits carries unique risks.

Tomins understands that the insurance needs of a Distillery are a far reach from the needs of the other businesses we serve. That’s why we craft our distillery insurance with the same level of care that you put into producing your spirits.

Just like your products are unlike anything else in the world, coverage from Tomins is designed with your specific needs in mind.

You’ve never been afraid to put in the extra efforts to make your distillery work. Isn’t it time you had an insurance partner that works as hard as you do?

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Why is Distillery Insurance Important?

Not only did you take a risk to make your dream of owning a distillery a reality, you also face countless risks every day to make it work.

At Tomins, we take the time to understand the unique risk exposure of a distillery like few others do.

From the threats related to production to those related to sampling your finished product, Tomins has you covered. Unlike most insurance companies that offer ‘one-size-fits-all’ policies for distilleries, we carefully consider the threats and risk exposures of your specific business in planning your coverage.

Even better, coverage from Tomins is powered by Higginbotham, an insurance industry leader with decades of experience.

The last thing you need is another thing keeping you up at night. Get your free custom distillery coverage quote today.

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Whisky barrel sitting next to a crystal glass full of whiskey in a dimly lit distillery

Essential Distillery Coverages

While every business we serve has unique needs meriting unique coverage, almost every business needs General Liability Insurance.

This coverage can help protect a Distillery against the costs of lawsuits filed by injured or damaged third parties as a result of a Distillery’s operations.

Considering the high cost of distillery equipment, Commercial Property Insurance is another important coverage for most distilleries to consider.

The last thing you need is an uncovered loss forcing you to close the doors of the distillery you worked so hard to build.

In the unfortunate circumstance that your distillery suffers an unexpected stop in operations, Business Income Insurance can help reimburse you for the resulting interruption in income.

Factoring in the fact that the average distillery needs multiple coverages, a commercial package policy (CPP) can be a great way to save money on insurance premiums.

A Distillery CPP commonly packages three basic coverages mentioned above:

General Liability Insurance: General Liability insurance is important for any type of small business, especially Distilleries. This coverage can help protect a distillery from financial damages incurred as a result of third-party lawsuits.

Commercial Property Insurance: This coverage can help with the cost of replacing a Distillery’s property, buildings, and equipment.

Business Income Insurance: Business Income Insurance is designed to help safeguard a Distillery against a loss of income resulting from interruption of business operations. It can also help with the costs of relocating and operating out of a temporary location during the recovery phase.

Because the needs of each distillery are different, the best way to know the coverage that makes the most sense for your business is with the help of a Tomins Insurance expert.

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Other Distillery Coverages to Consider

While there is no ‘one-size-fits-all’ insurance solution available for a modern distillery, the following list includes some important coverage options to consider:

  • Equipment Breakdown: This coverage helps pay for repairs to equipment when it stops working or is damaged. 
  • Property in Transit: Also known as Inland Marine Coverage, this insurance is designed to protect your business from the cost of damaging the property of others during transit.
  • Liquor Liability Insurance: If your distillery has a tasting room, you should probably be carrying Liquor Liability Insurance. This coverage is designed to protect a distillery 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 distillery owner, you know better than anyone that the likelihood of a fight is increased when alcohol is involved.
  • Employment Practices Liability: If your distillery has employees, EPLI is an 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 distillery beyond the payout limits defined in their standard policy.
  • Workers’ Compensation: Workers comp is another critical coverage for distilleries that have employees to consider. This insurance can cover the costs of an injured employee, helping with everything from medical expenses to wages and legal costs.

It’s important to note that the aforementioned list of coverages is far from exhaustive.

Give us a call today and let us take the headaches out of distillery coverage for you.

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How Much is this Going to Cost Me?

As you can probably guess, the answer to this question depends on the specific operations of your distillery.

 While Tomins doesn’t believe in the one-size-fits-all approach taken by many Insuretech firms, we pride ourselves on our ability to get you the right coverage at the right price.

Get your free custom-tailored Distillery Insurance Quote here today.

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Before You Apply for Coverage…

At Tomins, we work hard to be the best in the business. With that in mind, we ask that you gather the following information, to help us provide the most competitive and accurate quote possible:

  • Gross Annual Sales
  • Business Address and Tax ID
  • Target Effective Date (Date of Policy Start)
  • Number of Employees you Currently Employ
  • Information about other insurance you currently hold
  • Volume, Nature, & Storage Method of Client Data
  • Proof of professional licensing & other relevant
  • Brief Description of Your Business Operations
  • History of Past Claims (at least 3 years)

You deserve an insurance partner that works as hard as you do.

Tomins—mindful insurance today, successful distillery tomorrow.

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