What to know about Brewery Insurance

in Colorado

Facts about Brewery Insurance in Colorado

Colorado is known for its large number of talented beer makers. Brewery insurance is a highly specialized form of commercial insurance that is designed to meet the very specific needs for businesses owners in the brewing industry. This insurance can cover your business against a wide variety of hazards such as property damage, liability lawsuits, workplace injuries, and property crimes. Though it is not required by law, most brewery owners opt to purchase it.

  • Overactive yeast led to a $2M recall by Left Hand Brewing, 2017
  • In 2018, a small fire at Coors Brewery burned around $40,000 of grain
  • CO breweries have production restrictions during droughts
  • Theft delayed a Colorado Springs brewery opening in 2018

Cost of Brewery Insurance in Colorado

The cost of brewery insurance is based primarily on the size of your business and your overall sales. While a small  Colorado brewery can expect to pay less than $10,000 a year for coverage, larger breweries typically pay rates of more than $100,000 a year. Besides size and revenue, other factors that can influence your rates include the number of employees you have, the age and quality of your tools and equipment, whether or not your business serves food and beer on premises and your production safety plan.


common insurance claims filed by breweries

What Makes Independent Agents in Colorado so Awesome?

  • Independent agents work for you not an insurance company
  • Local agents understand the needs of people in your community
  • Independent agents do the comparison-shopping legwork for you

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We were looking to get new insurance in how much we have and I did a bunch of research online to find the best option. TrustedChoice let me select a couple different companies that were local and that got back to me shortly. Our company is different than most so there are some insurance companies that won't provide quotes to us, so we are happy we went with an independent agent.

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What Does a Brewery Insurance Policy Cover?

Brewery insurance has been designed with the specific coverage needs of breweries in mind. It can cover your Colorado business against most of the risks it faces in all aspects of operations including production, distribution, and consumption. Many breweries are open to the public and serve food and beverages, and this creates additional risks that are covered by this comprehensive insurance. You can expect your policy to include such things as:

  1. Liability Coverage: General liability insurance can cover third-party injuries sustained on your premises or because of your products. Liquor liability insurance can provide coverage if an intoxicated patron causes injuries or property damage to others.
  2. Property Coverage: Covers the cost to rebuild, repair or replace business property that has been lost or damaged due to a covered event. Included equipment breakdown insurance can cover against loss due to malfunctioning tools and machinery.
  3. Distribution Coverage: Commercial auto insurance covers your company vehicles if they are involved in a collision. Inland marine insurance can cover the beer and other products these vehicles are hauling until they reach their destination.
  4. Business Interruption Coverage: If your brewery is forced to halt operations for extended time due to a covered event like a drought, fire, or severe whether event, this insurance can provide you with a continuation of income until you reopen.
  5. Workers’ Compensation Insurance: This can cover the cost of medical treatments, lost wages, and other expenses an employee is injured or sickened on the job. From forklift accidents to severe burns, injuries at breweries are not uncommon.

If your brewery is located in a flood zone or you are concerned about floods in your area, be sure to talk to your agent about commercial flood insurance.

Top Insurance Companies that Support Independent Agents in Colorado

There are currently 252 independent insurance agents in Colorado who are ready to help you find the best insurance policies to cover your brewery. Your agent can save you time and money by working with several different insurance companies to obtain the best coverage at the most competitive rates. Talk to an agent near you to start comparing customized brewery insurance quotes.

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Why Go Independent when looking for Brewery Insurance

  • Expertise in Your Business
  • Multiple Quotes From One Agent
  • Get More Value for Your Money

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