Why choose EMC for brewery insurance?

Because we share your commitment to crafting the perfect blend. That’s why we offer tailored brewery insurance coverage and comprehensive loss control services—giving you the protection you need, crafted to your specific tastes.

a person holding up a glass of beer at a brewery

What does brewery and winery insurance cover?

Here’s how our Breweries and Wineries Program at EMC gives you peace of mind:

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Beverage contamination
Protects your beverages from unexpected contamination risks, such as wild bacteria or cleaning solvents.
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Key employee replacement expense
Covers the expenses of replacing essential personnel like brewmasters or enologists in case of a disability or death.
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Processing errors
Provides protection if batches don’t turn out as expected due to errors like accidental blending or adding too much water.
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Product withdrawal expenses
Covers expenses related to product recalls, including customer notifications, shipping costs, and temporary employee assistance.
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Tank collapse and leakage
Protects your products from becoming unusable due to tank failure or leakage.

Expertise on tap

EMC has teamed up with JAS Monitoring to launch breweries into the modern era. With JAS Brew software, breweries can track critical parameters like cooler temperature, CO2 levels, glycol chiller system temperatures, and even detect unwanted water leaks–all in real-time! Automated alerts sent via email, text, or call ensure that brewers are always in the loop, all through one user-friendly interface. Plus, through EMC’s exclusive partnership, you’ll receive a 25% discount.

Two brewers working looking at a tablet

What type of insurance do I
need for a brewery or winery?

Our goal is to protect you against any distractions or disruptions so you can concentrate on what matters most—making quality products. Our full range of commercial insurance includes the following coverages and more:

Frequently asked questions

For a brewery, the recommended insurance policies typically include:

  • General liability insurance: Covers claims of third-party injury or property damage.
    • Product Withdrawal Expense
    • Special Events
  • Workers’ compensation insurance: Covers medical expenses and lost wages for employees injured on the job.
    • Lockout and Tagout Program
    • Confined spaces
  • Business interruption coverage: Protects against loss of income due to unexpected events.
    • Continuity Plan
  • Commercial auto insurance: Covers vehicles used for business purposes.
  • Commercial property insurance: Protects the physical assets of the business.
    • Beverage Contamination
    • Tank Collapse
    • Tank Leakage
    • Loss Control Services
  • Cyber insurance: Covers data breaches and cyber-attacks.
  • Employment practices liability insurance: Protects against claims of wrongful termination, discrimination, and harassment.
  • Equipment breakdown coverage: Covers repair or replacement of damaged equipment.
  • Liquor liability insurance: Covers claims related to the sale of alcohol.
    • TIPS Training
    • Liquor Grade
  • Product liability insurance: Protects against claims of injury or damage caused by products.

While this list provides a starting point, the first thing you should do is talk to your independent insurance agent for personalized guidance.

For a winery, the recommended insurance policies typically include:

  • General liability insurance: Covers claims of third-party injury or property damage.
    • Product Withdrawal Expense
    • Special Events
  • Workers’ compensation insurance: Covers medical expenses and lost wages for employees injured on the job.
  • Liquor liability insurance: Covers claims related to the sale of alcohol.
    • TIPS Training
    • Liquor Grade
  • Business interruption insurance: Protects against loss of income due to unexpected events.
    • Continuity Plan              
  • Commercial auto insurance: Covers vehicles used for business purposes.
  • Commercial property insurance: Protects the physical assets of the business.
    • Beverage Contamination
    • Loss Control Services
    • Key Employee Expense

While this list provides a starting point, the first thing you should do is talk to your independent insurance agent for personalized guidance.

The cost of brewery insurance varies depending on several factors, including the size of your brewery, the types of coverage you need, and your location. It's important to work with an insurance agent to get a customized quote based on your specific needs.

The cost of winery insurance also depends on various factors, such as the size of your winery, the types of coverage you need, and your location. For more specialized coverages, such as contamination and spoilage coverage, the costs may vary. It's best to consult with an insurance agent to get an accurate quote tailored to your winery's needs.