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Protect Your Whiskey Business with Commercial Whiskey Insurance

Protect your passion and your livelihood.

Safeguard your whiskey business from risks with commercial whiskey insurance. Get covered for fire, wind/hail, theft, damages, and other unforeseen events.

Protect Your Whiskey Business with Commercial Whiskey Insurance

Don’t Let Disaster Strike Your Whiskey Distillery – Protect Your Business with Our Insurance Policies

As the owner of a whiskey business, you’ve invested a lot of time, money, and effort into building your brand and producing high-quality products. However, accidents can happen, and without proper insurance coverage, your business could suffer significant financial losses. That’s where commercial whiskey insurance comes in.


Trust the Experts in Whiskey Distillery Insurance – We Understand Your Unique Needs

When it comes to selecting the right distillery insurance coverage, you’ll need someone with experience dealing with your unique set of risks. We have years of experience helping whiskey distillers, warehouses and investment companies and can help you get a plan in place.


Whiskey Distillery Insurance Coverage

  • General Liability – Covers liability at your premise as well as any exposure for your operations and the products you sell.
    • Some carriers will exclude Product Liability / Liquor Liability
  • Liquor Liability – May sometimes need to be written as a separate policy if an insurance carrier can’t add to the GL or Package
  • Property – Covers buildings, equipment, machinery, stock, inventory. Having sprinklers greatly increases the opportunity for carriers to provide coverage
    • Unsprinkled buildings have a drastically higher rate and a higher deductible for Property coverage
    • Many carriers will cap Property coverage at $5 million (combining building and inventory claims)
    • If you store barrels for other companies Warehouse Legal Liability is needed to cover the property of others stored on your premise
  • Barrel Inventory – Specialty programs are available to cover inventory (aging barrels) stored in rickhouses and warehouses
  • Workers’ Compensation – While this coverage might not be as important for investment companies, it is vital for distillers, warehouses and distributors (and required by law in most states).
  • Auto Insurance – Many distillers and manufacturers will have trucks to transport their own product from the distillery to the warehouse and bottling facility. Distribution and transportation companies need to be keenly aware of their Cargo Liability limit. The costs and market availability are highly dependent on operations.
  • Directors and Officers – This type of coverage should be placed to protect owners, officers and Board members. It may be required by an investment company or private equity group that is partnering with an operation

Frequently Asked Questions About Whiskey Distillery Insurance

What trends do distillers need to keep in mind?

Distillers, production facilities and warehouses have been hit hard with huge rate increases, and we predict this trend will continue for the next few years. Insurance companies are offering lower limits of coverage at higher prices.

Many of these characteristics are unique and not well understood by “generalist” agents and underwriters. This is why it’s important to work with a brokerage who understands the ins and outs of your industry. Our years of expertise can help lower your costs and protect your inventory.

Why should I go with a brokerage and not settle for the coverage my warehouse will provide?

While many warehouses will offer covering your inventory and provide insurance, there are several concerns that come with this:

  • Costs are much greater than in the open market
  • Limit may not protect full replacement cost of all inventory
  • Payments are delayed after a loss
  • Selling price vs new barrel cost
  • Cause of loss (Warehouse legal)

What does Whiskey Distillery Insurance cost?

There are several factors that will impact the cost of distillery insurance, including the size of your company, total value of inventory and covered property, the amount of services you are requesting and your overall level of risk.

Please reach out so we can start a discussion to better understand your needs in order to determine competitive program options.

Get Started

Sip, savor, and insure. Our whiskey distillery insurance has got you covered.

Find out how our Distillery Insurance solutions can assist you in becoming better prepared and protected for what comes next.

Talk to Dan