INSURANCE FOR CRAFT BEVERAGE

From brewing, distilling, crushing and steeping, your process is unique. Your insurance needs are too. Bidwell works with you to create the insurance package that meets your specific operations and needs.

Please note, our website is simple, but our time and efforts are not. We are thorough and need to understand your business operations to get you covered properly.

Our Craft Beverage Clients

🍺 Craft Breweries

🥃 Distilleries

🍷 Wineries

🍏 Cideries

🐝 Meaderies

🍵  Non-Alcoholic Beverages

Common Craft Beverage Coverages

  • General Liability – General Liability helps when customers slip, trip, or sustain other injuries.
  • Liquor Liability – This is a coverage for claims related to the service of or selling alcohol in your tasting room or events.
  • Property Insurance – Property insurance covers your warehouse, tasting room, and any physical buildings against fire, storm, or other covered damage.
  • Business Personal Property – Also known as BPP, this coverage protects the “stuff inside” that make it all happen. This includes fermenters, barrels, chillers, finished product, raw ingredients, computers, POS systems, etc.
  • Leakage & Contamination – This covers lost product from tank leaks, equipment mishaps, or cross-contamination that makes batches unsellable.
  • Equipment Breakdown – You’re a manufacturer and this coverage pays to repair or replace mash tuns, boilers, stills, kettles, pumps, chillers, and other critical gear when they fail mechanically or electrically. This coverage does not apply when equipment hasn’t been maintained.
  • Business Interruption – Also known as Business Income, this keeps revenue flowing and bills paid if your operation is shut down due to a covered loss (like fire or equipment failure).
  • Environmental/Pollution Liability – This type of coverage applies to accidental spills, wastewater issues, or chemical leaks. These types of losses are often regulated and expensive to clean up.
  • Product Recall – Protects you if bottles need to be pulled from shelves due to defect, contamination, or safety issue.
  • Workers’ Compensation – Workers Comp is required by law and covers employee injuries in a job that often involves heat, heavy lifting, and flammable materials.
  • Hired & Non-Owned Auto – This is a liability coverage that extends coverage when employees use personal or rented vehicles for deliveries, errands or even bank runs.
  • Commercial Auto – If the business owns vehicles, commercial auto provides liability and physical damage coverage to those vehicles.
  • Excess/Umbrella Liability – This is an additional layer of protection if a lawsuit or claim blows past your standard policy limits. Contracts with stores, stadiums, theaters, etc. likely have requirements that result in requiring you carry this additional coverage.
  • Cyber Liability – Protects your POS, customer data, and online orders against hacks, breaches, or ransomware.
  • Inland Marine – This is a coverage designed for your business property that is mobile.
  • Crime/Theft – This applies to cash, inventory, or employee dishonesty from tasting room tills to warehouse stock.

Specific Exposures to Your Industry

Craft BREWERIES

  • Brewhouse
  • Mash Ton, Kettle, Fermenters, Brite Tanks
  • Leakage & Contamination
  • Kegged/Canned/Bottled Beer
  • Forklifts & Other Equipment
  • Beer Stock & Raw Materials
  • Equipment Breakdown
  • Canning & Bottling Line
  • Taproom, Tasting Rooms & Restaurants
  • Wholesale, Retail & Merchandise
  • Tours, Special Events & Off-Site Festivals
DISTILLERIES
  • Still, Boilers & Chiller
  • Aging Spirits in Barrels & Bottles
  • Bottling Lines
  • Tank Leakage & Contamination
  • Heavy Equipment
  • Tasting Room & Tours
  • Special Events
  • Off-Site Storage
  • Bulk & Wholesale Distribution
  • Retail Sales & Merchandise
wineries
  • Barrels, Tanks, Sorters
  • Wine Leakage & Contamination
  • Building & Wine Making Equipment
  • Wine Stock & Raw Materials
  • Vineyard, Wind Drift or Overspray
  • Farm Equipment
  • Aging Bottled Inventory
  • Special Event Venues & Tasting Rooms
  • Alternating Proprietorships & Custom Crush
  • Residential Dwellings & Out Buildings
CIDERIES

  • Crushers, Presses, Tanks, Fermenters
  • Cider Leakage & Contamination
  • Cider Stock & Raw Materials
  • Orchard, Wind Drift or Overspray
  • Equipment Breakdown
  • Retail Sales & Tasting Room
  • Wholesale Distribution
  • Bottled & Canned Inventory
MEADERIES

  • Fermenters & Tanks
  • Stock & Raw Materials
  • Heavy Equipment
  • Equipment Breakdown
  • Aging Bottled Mead
  • Gifts & Merch
  • Wholesale Distribution
  • Tank Leakage & Contamination
NON-ALCOHOLIC BEVERAGES

  • Chai, Tea, Kombucha, Sparkling Water
  • Stock & Raw Materials
  • Packaging Lines
  • Equipment Breakdown
  • Wholesale Distribution
  • Tasting Room & Retail Sales
  • Gifts & Merch

Uggghhh…too many words. Let’s talk and we’ll break it down for you.

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