Unique insurance for your unique spirits.
Distillery insurance provided by NRK-Hogan Insurance.
Running your own distillery can be fun and exciting, but it’s not without its own unique risks. You’ll need general business insurance, but specialized distillery insurance coverages like liquor liability insurance and equipment insurance should not be overlooked.
Specialized distillery insurance tailored to you.
Your distillery could take on the attributes of many other businesses, creating a need for an insurance program designed for you. The risks you face depend on whether or not you give tours of your facility, serve alcohol, or host events. If you handle your own distribution, that’s another concern. Limits and policy specifications must be appropriate for your business or you could be left with exposed risks.
Your product and your equipment carry high values.
Your cooker, fermenter, and still were expensive. Replacing one of these alone could be financially devastating. Even if a piece of machinery breaks, repair costs can add up fast. Having the appropriate amount of property insurance, as well as mechanical breakdown coverage, could help. Similarly, if a batch of a distilled spirit is ruined, the revenue lost will be substantial. Obtaining coverage for spoilage, contamination, and product recall can provide financial protection.
Liquor liability coverage is a must if you serve alcohol.
If you serve alcohol, you need liquor liability coverage. A patron who consumes too much liquor at your establishment could leave your premises and cause property damage or bodily injury. Because you served them, you can be sued and held liable for the damage caused by the intoxicated patron. Liquor liability insurance covers defense costs and damages awarded.
Business auto insurance provides important protection.
Any business that uses a vehicle for company purposes needs business auto insurance. Personal auto policies do not cover business use, so even the smallest distillery who has an employee running errands or making a delivery has a business exposure that could require hired and non-owned auto insurance. If you own vehicles in the company name to distribute your product, for example, you have an even bigger exposure.
Manage the business side of your distillery.
Although specialized distillery insurance is important, you cannot forget about general business insurance needs. Things like workers’ compensation, cyber liability, general liability, and premises liability insurance should be obtained. Employment practice liability and crime insurance are other policies that need to be considered for distilleries in particular.
Ready to discuss your unique distillery insurance needs? Contact us today.
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