Distillery Insurance for Canadian Businesses

This coverage protects your building, as well as the contents within (e.g., equipment, barrels, stock, office supplies, etc.) from covered risks like fire, theft, vandalism, and certain weather events. It can also be paired with business interruption coverage to help keep cash flow steady if you must shut down temporarily.

If someone claims your spirits caused illness or injury, product liability insurance can help cover legal costs, settlements, or judgments. This is especially important when your products are served or sold to the public. Product liability can sometimes be included under general liability insurance.

Liquor (or alcohol) liability insurance can help protect you if a customer is injured or causes harm to others after consuming your alcohol. Some provinces may require proof of liquor liability coverage to maintain your license.

If a still, bottling line, refrigeration unit, or filtration system fails due to a sudden mechanical or electrical breakdown, this coverage can help with repair or replacement costs.

If you use a company vehicle(s) for deliveries, events, or distribution, you’ll need commercial auto coverage, as auto insurance is mandatory in Canada. This coverage protects your commercial vehicle(s) against accidents, theft, and liability claims.

Canadian distilleries must follow strict environmental rules, and even a minor incident can have serious consequences. Environmental liability insurance helps protect your business if your operations accidentally cause pollution or environmental harm, such as a spill, leak, or improper disposal of waste like spent grain, cleaning chemicals, or waste water.

Also known as errors & omissions insurance, this coverage protects you if your advice, services, or product design causes financial loss to a client or partner.

This can help cover financial losses if a disruption in your supply chain, such as a grain shortage or glass bottle delivery delay, affects your ability to produce or sell spirits.

This coverage can help protect you if your spirits are spoiled or contaminated due to equipment failure, power outage, or other insured events. It can also cover the costs of the disposal of your unusable stock.

If you need to recall a batch due to contamination, labelling errors, or other safety concerns, this coverage can help cover recall costs, public relations efforts, and lost income.

Distilleries often process online orders, store customer data, and run connected POS systems. Cyber insurance can help protect against data breaches, ransomware attacks, and even fraud.

Crime insurance can help protect your business against financial loss caused by theft, fraud, or employee dishonesty.

If you host events such as weddings, product launches, or distillery tours, event insurance helps protect you from liability, property damage, and cancellation expenses. Event liability insurance can often be included under your general liability insurance or added separately for a special event.