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Comprehensive Brewery Insurance: Protecting Your Brewing Business in Illinois

Ensure Your Brewery's Success with Customized Insurance Solutions from Freedom Brokers
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Brewery Insurance Provided By Our Agency

As the brewing industry in Illinois continues to expand, so do the associated risks. From equipment breakdowns to product recalls, brewers must be prepared for various challenges that could disrupt operations.

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Business Property
Liquor Liability
Equipment Breakdown
General Liability
Surety Bonds

Business Property Coverage

Risk Factors

Your company’s property is often exposed to risks such as fire, explosion, storms, theft, wind, vandalism, and other natural calamities.

Solution

This protects a company’s physical assets, such as buildings, contents, stock, and inventory, from fire, explosion, storms, theft, wind, and vandalism. Additional coverage for floods, earthquakes, and other direct causes of loss may be advised.

Liquor Liability Coverage

Risk Factors

Liquor liability insurance, also known as dram shop insurance, protects the liability of businesses that serve, sell, distribute, manufacture, or supply alcoholic beverages.

Solution

Liquor liability coverage is excluded from commercial liability insurance for businesses that generate a profit from alcohol. Liquor liability coverage fills this gap caused by the exclusion.

Equipment Breakdown Coverage

Risk Factors

Equipment breakdown can be severe or debilitating to small craft brewers. By nature of the brewing process, high pressures build up during the fermentation process, which can cause improperly maintained storage tanks and vats to break down or explode.

Solution

Most policies broaden the definition of “building” to include all equipment used in producing beer and other craft beverages. In unexpected quality issues, product withdrawal expense coverage is also available. In addition, equipment breakdown coverage helps to cover repairs or equipment replacement costs of properties damaged by broken equipment.

General Liability Coverage

Risk Factors

CGL craft brewery coverage covers claims occurring on-premises and off-premises, for instance, a brew fest. Examples of brewery liability risks include slips and falls on-premises or tripping on equipment at a beer festival, fire damage, personal and advertising injury, and copyright infringement on another brewery’s existing product.

Solution

A commercial general liability (CGL) policy protects you from lawsuits or claims arising from negligent actions that cause bodily injury and property damage to others. Brewery liability insurance includes costs associated with damages and legal fees.

Surety Bonds Coverage

Risk Factors

If your bonded brewery fails to comply with the regulations, the bond amount can be used to pay the fine imposed or other legal expenses.

Solution

Guarantee your brewery’s integrity, honesty, and legal and contractual compliance.

What is Brewery Insurance?

Brewery insurance provides a tailored mix of standard business and specialized coverages designed specifically for brewers. Whether you operate a large brewery, microbrewery, or craft brewery or have additional facilities like a tasting room, restaurant, pub, or recreational areas such as axe-throwing or lawn darts, our insurance solutions are crafted to meet your unique needs.

Why Breweries in Illinois Need Brewery Insurance

As a dedicated producer of stouts, lagers, and ales, it's crucial to safeguard your business against unforeseen events that can cause property damage, halt production, injure customers or employees, and lead to financial setbacks. Here are some scenarios that highlight the importance of brewery insurance:

  • Contaminated or spoiled batches must be disposed of or recalled.
  • Alcohol-related accidents involving customers after leaving your premises.
  • Unexpected equipment breakdowns causing property damage, inventory loss, and operational downtime.
  • Slip, trip, or fall incidents involving customers, vendors, or delivery personnel on your property.
  • Damage to equipment or business property by guests.
  • Leaks or spills from storage tanks.
  • Weather events, fire, theft, or vandalism affect your buildings and contents.
  • Damage to beer in storage or during transit.

Given the diverse risks breweries face, combining various insurance policies and endorsements is essential to protect your business fully.

The Importance of Brewery Insurance in Illinois

Choosing the right brewery insurance coverage is vital for your business's sustainability. Unforeseen incidents can jeopardize your operations without adequate coverage, potentially leading to bankruptcy.

Essential Insurance Coverages for Breweries in Illinois

Brewery insurance should include a comprehensive blend of coverages to address your needs. Standard property and liability coverages can be customized to provide specialized protection, allowing you to focus on brewing exceptional products.

Consider the following types of coverage:

  • Property, Equipment Breakdown, and Business Interruption Coverages
  • General Liability, Liquor Liability, and Umbrella Coverages
  • Product Recall Coverage
  • Workers Compensation
  • Auto Insurance
  • Cyber Insurance
  • Inland and Ocean Marine Coverage

Regular Review and Expansion

As your brewery in Illinois grows, it's essential to review your insurance coverage continuously to ensure adequate protection. Acquiring new equipment and hiring more employees will likely increase your insurance needs. Contact Freedom Brokers whenever you plan to expand your business to discuss potential adjustments to your coverage.

Connect with Freedom Brokers Today

Get in touch with Freedom Brokers to review your current insurance policies and discover how much you could save on your brewery insurance in Illinois. Our team is here to help you find the perfect coverage to protect your brewing business.

Already have Brewery Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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