Specialized coverage for craft breweries, distilleries, and taprooms, built around how you actually operate.
Running a brewery or distillery isn’t just about crafting great beer or spirits; it’s about managing a complex operation with unique risks. From equipment breakdowns and contamination issues to liquor liability and distribution exposures, a single claim can quickly disrupt production and revenue.
At KilGO Insurance, we help breweries and distilleries protect what they’ve built with tailored solutions designed specifically for your industry.
Who We Help
We work with:
- Craft Breweries (micro, nano, regional)
- Taprooms & Brewpubs
- Distilleries (craft & small-batch)
- Brewery + Kitchen Concepts
- Tasting Rooms & Event Spaces
- Contract Brewers & Mobile Operations
- Growing brands entering distribution
Why Breweries & Distilleries Need Specialized Coverage
Standard business insurance policies often miss critical exposures unique to your operation.
Common Risks Include:
- Equipment breakdown (boilers, fermenters, stills)
- Product contamination or spoilage
- Liquor liability from tastings or taprooms
- CO₂ leaks or pressurized vessel failures
- Distribution & off-premise sales exposures
- Labeling or branding disputes
- Seasonal fluctuations and inventory swings
Coverage That Fits Your Operation
With our carrier options, we can bundle key protections into one streamlined policy designed for your workflow.
Core Coverages
Property Insurance
- Buildings, taprooms, and production facilities
- Tanks, stills, fermentation systems, and specialized equipment
- Raw materials and finished product inventory
Equipment Breakdown
- Coverage for mechanical failure
- Helps avoid costly downtime and lost batches
General Liability
- Slip-and-fall injuries
- Customer injuries
- Events and tours
Liquor Liability
- Protection for alcohol-related claims
- Essential for tastings, taprooms, and events
Business Income & Extra Expense
- Covers lost revenue if operations are interrupted
- Helps keep cash flow steady during downtime
Key Enhancements
- Spoilage & Contamination Covers: protects against ruined batches
- Product Recall Expense: Helps manage brand damage events
- Peak Season Flexibility: Adjusts for higher inventory levels
- Ordinance & Law Coverage: Important for older buildings and retrofits
- Equipment-Specific Valuation: Not one-size-fits-all
Workers’ Comp & Employee Risks
Breweries and distilleries are hands-on environments with real risks:
- Lifting and repetitive motion injuries
- Burns and chemical exposure
- Slips in wet production areas
We help structure workers’ comp policies that reflect your actual operations, not a generic class code approach.
Umbrella & Growth Protection
As your brand grows, especially into distribution, your risk grows too.
An umbrella policy adds an extra layer of protection over:
- General liability
- Liquor liability
- Auto (if you deliver or distribute)
Claim Scenarios
Real-World Claim Examples
- Equipment failure ruins multiple batches→ Equipment Breakdown + Spoilage Coverage
- Customer causes accident after leaving →Liquor Liability responds
- Fire shuts down operations → Business Income replaces lost revenue
Why Work with KilGO Insurance
- Experience with hospitality and beverage risks
- Access to Erie Custom Collection for tailored brewery coverage
- Local support with a proactive approach
- We structure policies for growth, not just today’s operations
Let’s Review Your Brewery or Distillery Coverage
Whether you’re just getting started or scaling distribution, we’ll help you identify gaps and build a policy that fits how you actually operate.
Schedule a quick policy review with Colin.
No pressure, just clarity on your current coverage.
5-Star Google Review ⭐⭐⭐⭐⭐
“KilGO’s quotes came in much better than what we had been anticipating, based on what we were previously paying. They’re going to save us a ton. It’s a major bonus to us that they’re local, especially because everyone was amazing to work with”
Fine Creek Brewing Company. Powhatan, VA
