Craft Beverage

A great craft beverage requires the right combination of ingredients and time to produce the best results. Putting together an insurance program for breweries, distilleries and artisanal beverage producers is no different.  Winters-Oliver has been serving craft beverage manufacturers since 2011 so lean on our experience and let us craft the right insurance coverage to protect your investment.

General Liability & Liquor Liability

All businesses purchase a general liability policy for protection against claims stemming from bodily injury to persons or property damage caused by the business’s product or service.  Craft Beverage producers need this coverage, but it is certainly not all they need.  Liquor liability is a critical coverage that should be purchased by any craft brewery or distillery, especially those with tasting rooms.

Federal TTB Bond and State Bonds

Prior to commercial production, you will need to provide tax bonds to state Alcohol Beverage Control authorities and the Treasury Department.  In addition to arranging your craft beverage insurance program, Winters-Oliver can also help you with proper bonding.

Product Recall and Contamination

Product recall or damage to stock by contamination can be inconvenient and expensive.  Unfortunately, these situations are often unforeseen until they occur.  Winters-Oliver can provide you with the necessary coverage that will pay for lost revenue and the added expense of recalling products from the market.

Special Events/Tasting Rooms

Many craft beverage producers hold special events.  Whether your event is onsite or offsite, the nature of the event may require amending the existing policy or the purchase of a stand-alone special events policy.  We can help you identify when this coverage is needed and make sure your policy covers all regular onsite activities.

Winters-Oliver can help you uncover your risks and design an insurance program that meets the needs of your craft beverage business.

We can offer you the following:

  • Commercial Property
  • General Liability
  • Liquor Liability
  • Manufacturer’s E&O
  • Commercial Auto
  • Property in Transit
  • Umbrella/Excess
  • Product Recall
  • Workers Compensation
  • Equipment Breakdown
  • Spoilage