Craft the right insurance cover for your brewery with Marsh
Public Liability Insurance
Public liability insurance can help financially cover a brewery if a third party (for example a customer) claims they have suffered a serious injury, or their property has been damaged due to the business’ activities. Even if your business is not at fault, public liability insurance can help cover potential legal costs that arise from defending a negligent conduct allegation.
Machinery Breakdown Insurance
Machinery, such as tanks, boilers, and commercial stills, are critical to your craft brewery or distillery’s day-to-day operations. With a key piece of machinery out of action, business owners can run the risk of substantial loss of revenue until such item is fixed. Machinery breakdown insurance can help cover any sudden or unforeseen breakdowns of business equipment that is on premise.
Business Interruption Insurance
Business interruption insurance can help craft breweries recover and get back on track in the event of a significant property loss, including temporary shutdown from serious fire.
Property insurance can help cover the physical loss or damage to business assets (e.g., building, contents, and stock) at premises from specified unforeseen occurrences, such as fire and storm damage.
Businesses who employ others for work are legally required to have workers compensation insurance. This cover helps to protect your business from the financial costs that may arise if an employee suffers a work-related injury or illness. Marsh offers a range of services to help businesses manage their workers compensation responsibilities including, injury prevention, reduced claims, and risk advice pertaining to OH&S systems to help avoid costly fines.
Speak with a dedicated insurance broker to arrange a quote for your business
What insurance do I need for a craft brewery?
It is important to understand the risks that come with running a brewery or distillery business. Having the right insurance cover in place could be the difference between getting back on track and losing everything. Depending on the size and scale of your business, our team recommend considering the following insurance solutions:
- Public and products liability insurance
- Property insurance
- Business interruption insurance
- Workers' compensation
- Management liability insurance
- Cyber insurance
- Product recall insurance
How much does brewery insurance cost?
The cost of your insurance will depend on several factors including the size and type of your business, your specific risk exposures, and the level of coverage that you choose. A microbrewery or distillery might not pay as much as a larger operation.
A specialist Marsh insurance broker can help assess your risk requirements and provide a quote for cover that would suit your business needs.
Why not all policies are an apples for apples comparison
We understand that total premium plays a big role when comparing different business insurance policies. However, it shouldn’t be the only factor to look out for when completing a side-by-side comparison.
Insurance providers can base a policy’s premium on the risks they take on and having a high number of exclusions can reduce these risks, which should result in a lower premium. That’s why we recommended reviewing the policy wording and/or product disclosure statement beforehand to help make sure the cover you are arranging meets your specific business requirements.
Beer is your craft, insurance is ours
Your trusted broker
As part of our service offering, we pair each client with a specialist broker who understands your industry. From helping you understand your risk needs and arranging your insurance to advocating a claim on your behalf, your Marsh broker will support you at every step.
Specialised industry experience
We support a diverse range of businesses in the food and beverage, manufacturing, and hospitality industries. Our team has unique insight into the risks that face breweries and distilleries and can use this knowledge to arrange cover to meet your specific risk requirements.
Processing an insurance claim can may be costly and time consuming. Our team can help lodge and provide support to settle claims so you can focus on crafting your next brew.
This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Marsh does not arrange workers compensation insurance in those States where there is a government scheme and provides only consultancy services in those States.