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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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.
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.
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:
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.
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.
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:
You deserve an insurance partner that works as hard as you do.
Tomins—mindful insurance today, successful distillery tomorrow.