INSURANCE FOR DISTILLERIES

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Why Partner with Us?

  • You are not insured with Great American (PAK Programs) or Philadelphia. These are the insurance industry leaders for craft distilleries.
  • Your agent is super nice but doesn’t understand your unique business exposures.
  • You don’t know where you’re insured.
  • Your agent doesn’t respond to emails or voicemails.
  • Your workers compensation is through your payroll company.

Insurable Exposures at Distilleries

  • Still, Boilers & Chiller
  • Aging Spirits in Barrels & Bottles
  • Bottling Lines
  • Tank Leakage & Contamination
  • Heavy Equipment
  • Tasting Room & Tours
  • Off-Site Storage
  • Bulk & Wholesale Distribution
  • Retail Sales & Merchandise

Factors that Drive Premiums Up or Down

  • Coverage – See above 👆🏻. More coverage means higher premiums. Specialty insurance programs designed for distilleries automatically build many of these coverages into their policies.
  • Stillhouse – If your still is in a separate building from any/all inventory and aging spirits or in a separate room with a 2 hour firewall between the still and any and all inventory/aging stock, the best companies will offer the best pricing.
  • Revenue & Volume – Insurance premiums are driven by revenue. Insurance rates for a distillery are different depending on how you are generating those revenues (bottled, bulk, contract distilling, wholesale, tasting, retail, etc.). 
  • Tasting Room vs. Wholesale – On-site consumption presents a higher risk for liability so the revenue you generate from your tasting room is more expensive. Wholesale revenue is  considered less risky.
  • Location, Location, Location – Wildfires, floods, neighborhoods with known criminal activity, etc. are factors. Mapping has allowed insurance companies to consider more specific location-based data. 
  • Equipment Value – High-end stills, boilers and chillers are expensive to replace.
  • Business Ops – Tastings, tours, weddings, food service, delivery vans…the more humans (employees and clients) + moving parts, the greater the exposure for losses.
  • Claims History – A spotless record makes you look like a saint. If you have prior insurance claims, the insurance companies will find out.
  • Limits & Deductibles – When liability limits are high and deductibles are low, the insurance premiums are more.
  • Safety & Compliance – Sprinklers, training, checklists are boring, but underwriters love boring. If you have good business systems in place, that not only ensures you’ll be a successful distillery, but it also means you are mitigating your risk for insurance losses.
  • Bundling – One insurer, multiple coverages. They’ll cut you a break for keeping it all in the family. This means package, auto and umbrella coverage with one carrier generally means a lower overall premium.

Let’s talk. We like talking about insurance and know you don’t. Let’s talk anyway.

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