Insurance for Breweries in Texas
You love beer. But more than that, you love your brewery. You’ve visualized this business for years and now that you have it, you want to protect your investment. Some brewers simply make great beer, others serve beer along with food and merchandise. Regardless of the size of your brewery in Texas, Heaton Bennett Insurance can help you find the right insurance coverage for startups to major production facilities.
Brewery insurance in Texas can be complicated because not only does your brewery make great beer, but you have to transport it and protect it from spoilage. You have expensive equipment that you must insure as well as provide liability for the product itself in the event a consumer is sickened by your product.
Only working with a knowledgeable insurance agent who understands your trade can help you ensure your brewery is covered properly. Heaton Bennett Insurance in Austin can help you insure your brewery with many coverage options including:
Property Insurance Coverage Options
- Buildings, business personal property and stock
- Business Income
- Extra expenses
- Equipment breakdown
- Crime
- Inland marine
- Contamination
- Beer leakage
- Blanket limits
- No co-insurance clause
- Fine arts
- Computers and media
- Accounts receivable
- Valuable papers and records
- Commercial auto
Casualty/Liability Coverage Options
- General liability
- Liquor liability
- Employment practices liability
- Employee benefit liability
- Product withdrawal expense
- Wind drift or overspray
- Progression liability
- Internet liability and network protection
- Auto liability
- Umbrella liability
Trust that the licensed staff at Heaton Bennett Insurance in Austin, Texas will help you find the best coverage and pricing available for your brewery in Texas. Call us for a free, no-obligation quote and insurance review. 512-372-8311
Frequently Asked Questions
Can brewery insurance cover spoiled or contaminated products?
Specialized coverage may be available for certain losses involving contamination, spoilage, leakage, or product withdrawal. Coverage depends on the cause of the loss and the policy’s conditions, exclusions, and limits.
What happens if essential brewing equipment breaks down?
Equipment breakdown coverage may respond to certain mechanical, electrical, or pressure-system failures affecting eligible equipment. Brewery owners should review boilers, refrigeration systems, fermenters, canning lines, and other machinery with their agent.
Is liquor liability insurance different from general liability insurance?
Yes. General liability and liquor liability are designed to address different types of claims. Breweries that manufacture, serve, sell, or distribute alcohol should discuss their operations with an insurance professional to determine which options may be appropriate.
Do taprooms, food service, and special events affect brewery insurance?
These activities can introduce additional risks involving customers, alcohol service, food, employees, entertainment, and off-site operations. A Texas brewery should notify its agent whenever it expands its services or begins hosting events.
Can brewery insurance cover beer during delivery or distribution?
Coverage may be available for products and equipment transported away from the brewery. The appropriate option depends on who owns the vehicles, who handles distribution, and where responsibility for the product transfers.