Your specialty equipment may break down or be damaged as a result of fire, weather or theft. Many craft breweries can’t handle the production interruption caused by losing an essential piece of equipment. As such, equipment and machinery coverage can help with repair or replacement costs for damaged equipment and cover losses resulting from production interruption and downtime.

 You might have to pull your craft beers off shelves due to product contamination or a packaging error.Suppose a batch of beer is contaminated during the brewing or packaging process or spoils before distribution. Product recall insurance can cover the initial production cost as well as lost revenue. If a contaminated batch isn’t caught before shipping and the beer makes it to store shelves, such coverage can help offset the costs of removing the tainted product and replacing it.

 An intoxicated person may cause bodily injury or property damageafter taking your brewery tour or drinking in your taproom. Regardless of whether you have a full-service bar or offer tastings after brewery tours, liquor liabilitycan cover damages to persons and property caused by patrons who were over-served at your establishment. Rules vary by state, but liquor liability can provide financial protection if your business is found liable for alcohol-related incidents.

 Someone may fall walking up the stairs on your premises and hurt themselves. General liability insurance can protect your craft brewery fromthe potential risks of day-to-day operations. Once you open up your property to patrons, you are responsible for their well-being. Employees might be trained to be aware of potential hazards in an active brewery and production site, but guests could be exposed to hazards even on a pre-planned tour route. Liability insurance may protect you if problems arise.