Microbrewery Insurance in Massachusetts

What Coverages Do Microbrewery Policies Offer?

Because microbrewery policies can be customized, the individual policies that are included in these package policies can vary. Nevertheless, there are some common coverages that most microbrewery policies have:

• Commercial Property Insurance, which may cover a microbrewery’s building and items kept inside the building (e.g. equipment, supplies, and beer stock)
• Business Interruption Insurance, which might provide payments if a covered incident causes a decrease in revenue
• General Liability Insurance, which can provide broad protections against many perils that businesses face (including businesses outside the beer industry)

Does Craft Brewery Insurance Include Workers Compensation Coverage?

In Massachusetts, most businesses that have employees need workers compensation insurance, so most microbreweries that employ people need this coverage. Workers compensation coverage usually isn’t included in craft brewery package policies, though. Instead, workers compensation coverage is typically obtained through a separate, stand-alone policy.

Most agents that help microbreweries find craft brewery policies can also help with the selection of a workers compensation policy.

Along with these broad coverages, microbrewery policies often also provide insurance coverages that are more specific to the beer industry. A policy might include:

• Tank Collapse Insurance, which might cover the cost of processing water after a tank collapses
• Tank Leakage Insurance, which might compensate a brewery if a leak in a tank leads to lost beer stock
• Restaurant Property Insurance, which is usually only necessary if a brewery has a tasting room, pub or restaurant on its property

How Can Microbreweries Get Craft Brewery Insurance?

For help finding microbrewery insurance, microbreweries should contact a licensed, independent insurance agent who specializes in this type of insurance. A specialized agent can help microbreweries consider what risks they’re exposed to, and the agent will know how to best insure against those risks. Our Massachusetts agents who specialize in craft brewery insurance help breweries throughout the state.