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Protect your craft brewery with BrokerLink. Operating a brewery in Canada takes passion and a lot of creativity. But, because every tank, tap, and tasting comes with unique risks, breweries also require the right insurance protection. That's where brewing insurance comes into play. Designed to keep you brewing, this insurance coverage offers financial protection against different risks and challenges that could otherwise impact your livelihood. From safeguarding your equipment to managing alcohol-related liabilities, you can think of insurance coverage as your safety net against costly disruptions.
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Brewery coverage is a type of insurance package specifically tailored to breweries operating in Canada. While it includes a lot of standard business insurance, it also addresses alcohol-related risks and equipment exposures that are unique to your operations as a craft brewer.
A comprehensive insurance package for a craft brewer can cover things like:
Production equipment like fermenters, tanks, and bottling machines.
Alcohol liabilities, including liquor services at tap rooms or events off-site.
Spoilage and contamination of your stock.
Property damage from theft, vandalism, fire, and floods.
Running a business is hard work, but BrokerLink simplifies insurance, letting you focus on your business with coverage tailored for any size or industry. Secure your business with us today.
No matter your pour, BrokerLink can help you find the right coverage needed to protect against all risks your production may face.
Contract brewers.
Craft and microbreweries.
Brewpubs and taprooms.
Canning and bottling facilities.
Event-focused or tour-based breweries.
Breweries with distribution and retail arms.
Mobile canning operations, like brewery tours.
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Brewery businesses blend artistry and complex operations with risks at every stage of their production process. Fermentation tanks can become contaminated, equipment can fail, and bodily injuries and other liabilities can happen at any time.
For example, a microbrewer in Ontario could suffer a $50,000 equipment loss should one of their chiller systems fail, leading to the loss of thousands of litres of craft beer. Without insurance in place, this business would be responsible for covering expenses like equipment replacement costs and would lose out on even more in product sales.
Brewery coverage is more than a single policy; it's a carefully built package designed to protect your brewery business from unique risks associated with brewing, selling, and serving alcohol in Canada. Whether you own a small taproom or a national production facility, these policies can help safeguard your investment and keep your operations running smoothly.
Commercial general liability insurance
Commercial property insurance
Liquor liability coverage
Equipment breakdown insurance
Business interruption
Workers' compensation
Product recall insurance
Cyber insurance
Contamination and spoilage insurance
Commercial auto coverage
Event liability insurance
Directors and officers insurance
Commercial general liability, also known as premises liability, protects your business in the event a customer, supplier, or visitor suffers a bodily injury or property damage on your business premises. If a claim is filed against you, this policy will cover the costs of medical bills, legal fees, repair and replacement costs, and other associated settlement expenses.
Commercial property insurance covers damages to the physical structure of your business from covered losses such as theft, vandalism, fire, water damage, and severe weather conditions.
Liquor liability insurance covers legal fees and other damages if your business is found responsible for incidents involving over-consumption, intoxication, and other alcohol-related accidents.
Equipment breakdown will cover repair and replacement expenses if you suffer an equipment failure to any of your machines, like fermenters, temperature-controlled containers, and other brewing machinery.
Business interruption coverage will help replace lost income and cover ongoing expenses if your craft brewery is forced to close or decrease production temporarily due to a covered loss.
Workers' compensation is mandatory for all businesses with employees. It covers medical expenses and lost wages if employees are injured on the job.
Product recall insurance provides protection against costs related to recalling contaminated or defective products in your supply chain.
Cyber liability insurance provides protection against data breaches, hacking, and payment system compromises, which is essential for breweries that have full-service bars and online sales.
Contamination and spoilage insurance covers losses from things like temperature fluctuations, equipment failures, or contamination that may ruin your product.
Commercial auto coverage is essential for craft brewers that own and operate delivery vehicles. It protects both your employees and trucks on and off the road.
Event liability covers you during special events like beer festivals, private parties, and other off-site beer tastings you may conduct.
Directors and officers insurance protects brewery leadership against lawsuits related to their management decisions.
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Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.
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Several factors will influence how much you pay for coverage in Canada:
Larger breweries or those with higher production volumes generally require higher coverage limits than smaller operations, which can increase premiums. Essentially, the higher your output, the greater potential revenue loss you could experience if you are held responsible for damages or experience other incidents.
If your brewery has a retail store or a taproom, insurers may view this as an added risk due to you serving customers, which increases your exposure to potential hazards.
Hosting events, tours, or tastings can add liability and operational risks. While these can increase your revenue, they may also influence the cost of premiums due to your need for higher coverage limits.
Breweries with expensive equipment will require higher premiums to ensure your policy covers damages or losses in the event of a covered loss.
Breweries with liquor licenses may face additional risk assessments, especially if sales extend to local restaurants, bars, or other retail outlets in the community.
The more claims you have on your insurance, the more of a risk you'll be deemed by your insurance company. To offset this risk, your provider will likely increase your premiums.
Purchasing the right coverage for your brewery doesn't mean you have to break the bank. Here are some practical ways you can save on your premium:
To save up to 15% on your premium, consider bundling your insurance policies, like car insurance, home insurance, and business coverage with the same insurance company.
Ensure that you and your team regularly service brewing equipment, refrigeration systems, and electrical components, and conduct CO2 leak tests throughout your brewery. Preventive upkeep lowers the risk of costly breakdowns and demonstrates to your insurance company that you have risk management protocols in place, which may qualify you for a discount.
Train your employees on how to responsibly serve alcohol and implement clear guidelines during events and tastings. This can help you reduce the likelihood of customers being over-served, which you may be held liable for in the event a claim is filed against you.
Work with an insurance broker like the ones at BrokerLink. They can help you tailor policies, avoid coverage gaps, compare quotes, and negotiate better rates for coverage!
As your brewery changes and grows, so should your coverage. Review your policies annually to ensure you're not paying for unneeded insurance or leaving gaps in your coverage.
Breweries in Canada must follow the rules and regulations set out by provincial agencies like the Alcohol and Gaming Commission of Ontario (AGCO), Alberta Gaming, Liquor and Cannabis Commission (AGLC), and Saskatchewan Liquor and Gaming Authority (SLGA). These agencies control liquor licenses and make sure breweries operate safely and legally. Staying compliant with their rules is important for keeping your insurance valid in the event that something happens.
Many breweries across Canada join groups like the Canadian Craft Brewers Association. These groups help breweries learn best practices and stay up to date with industry news and changes. An added bonus? Being a member can sometimes help you get better insurance rates, depending on your insurance company.
Craft an insurance policy that fits your tastes like the beers you craft at your brewery. If you're ready to find an affordable insurance plan, the experienced brokers at BrokerLink are here to help.
With access to some of the top insurance companies in Canada, our team can help you shop around, compare rates, and get a policy that meets your needs without compromising your coverage. Beyond coverage for breweries, we also help with:
To speak with an insurance broker directly, contact us over the phone or by email. You can also get a free insurance quote within minutes using our online quote tool at any time!
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General liability insurance protects your brewery if someone is injured on your property or if your business accidentally causes property damage to a third party. For example, if a customer slips and falls at your location, your policy will kick in to cover associated costs with the lawsuit. On the other hand, liquor liability insurance protects you from alcohol-related risks. For example, if someone becomes intoxicated at your brewery, you could be held liable for over-serving them.
Spoilage is an optional add-on that protects you if your equipment fails and it causes your beer to go bad. Without this coverage, losses from spoiled inventory will be paid for out of your own pocket, which can seriously impact your finances. Make sure to ask your insurance provider or broker to add this to your standard plan to ensure you're comprehensively protected.
Business interruption insurance helps replace lost income and cover any other ongoing expenses if your brewery has to stop or reduce its operations because of a covered event like a fire, theft, water damage, or equipment breakdown. It can help you cover costs like employee wages, utilities, rental payments, loan payments, and more during the time that you are closed.
Yes, hosting events like tastings, having a booth at a beer festival, or conducting beer tours increases your exposure to risks. Event liability is specifically designed to protect you during these events that occur beyond your regular day-to-day operations.
Yes, even if you outsource different parts of your protection, you still need insurance to protect your brand and your business. For example, you need to make sure that your contracts specify certain supply chain insurance requirements for the different suppliers you work with to ensure damage control and protect your interests. Additionally, your policy should cover liability or losses related to your products, whether you brew and can in-house or use other craft brewery contractors.
Explore our other insurance products to find additional coverage options that fit your needs. Discover more ways to protect what matters most.
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Commercial General Liability Insurance
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Directors & Officers Liability Insurance
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