From taproom-only operations to regional production breweries distributing across multiple states, craft breweries need a coverage package that addresses both manufacturing liability and on-premise alcohol service. We write brewery insurance for operations of all sizes, including both the production facility and any taproom or retail component.

Wineries face unique coverage needs across their production, tasting room, event, and distribution operations. Cideries — a fast-growing category — share many of the same exposures. We cover both.

Coconut water occupies a unique intersection of produce liability and beverage product liability — particularly for brands using fresh or minimally processed coconut water, where refrigeration requirements, shelf life, and cold chain integrity are all potential claim triggers. Brands making electrolyte or hydration claims carry added exposure around those representations. Imported coconut water brands face additional supply chain complexity, including foreign supplier liability and cargo coverage for international shipments. We place product liability and supply chain coverage for coconut water brands operating both domestically and with international sourcing.

Cold brew, canned coffee, and coffee concentrate brands that sell through retail and food service channels need product liability, cargo, and in many cases fleet coverage for delivery operations.

Non-alcoholic beverage manufacturers — from fresh-pressed juice companies to sparkling water brands to energy drink producers — face product liability exposure from contamination, labeling errors, and allergen claims. We write coverage for non-alcoholic beverage manufacturers across the country.

Still water, sparkling water, mineral water, flavored sparkling water, and enhanced water brands face product liability exposure from contamination, source water quality failures, and labeling claims. Brands that make functional claims — added electrolytes, minerals, or wellness ingredients — carry additional liability risk around those claims. Water brands that sell through grocery retail and mass market channels also face contractual insurance requirements from their retail partners that standard commercial policies often don't meet. We write product liability and commercial coverage for water and sparkling beverage brands at every scale, from regional startups to established national brands.

Beer and beverage distributors operate fleets, move product through multiple accounts, and carry liquor liability exposure even though they're not serving consumers directly. We specialize in distributor coverage — fleet, cargo, general liability, and the liquor-chain liability that distributors often overlook.

Contract manufacturers and co-packers carry some of the most complex insurance exposures in the industry — product liability that spans multiple client brands, equipment-intensive operations, and contractual indemnification requirements that vary by client agreement. We build co-packer policies that address the actual scope of what you're producing and for whom.

High-caffeine, nootropic, and other specialty formulation brands often face non-standard underwriting due to their ingredients. We have experience placing product liability for specialty formulation brands in categories that standard markets decline.

Co-packers carry some of the most complex insurance exposures in the beverage industry. Your liability doesn't stop at your own brand — it extends across every client product you produce. A contamination event, a labeling error, or a fill-weight deviation on a client's product can trigger claims against both the brand owner and the co-packer, and the indemnification language in co-packing agreements varies significantly from client to client. You also need equipment breakdown coverage for the production lines your business depends on, and cargo coverage for finished goods you're responsible for until they're released to the client. We build co-packer insurance programs that address multi-brand product liability, contractual indemnification exposure, equipment breakdown, and the property and general liability needs of a production facility — so you're covered for what you're actually doing, not just what a standard BOP assumes you're doing.

Distribution companies sit at the center of the beverage supply chain — and the insurance exposures that come with that position are significant. Your fleet is moving product across hundreds of miles every week, which means commercial auto and cargo coverage need to be structured specifically for beverage distribution: breakage, temperature loss, and the value of the product in transit. Loading and unloading operations create liability exposure at every stop. And as a link in the alcohol supply chain, distributors carry liquor liability exposure even though you're not the one serving the drink — dram shop liability can travel up the distribution chain in ways that catch distributors unprepared. We specialize in insurance programs for beer and beverage distributors, covering fleet operations, cargo, general liability, and liquor chain liability for distribution companies operating locally, regionally, and across state lines.

If a consumer is harmed by your product — due to contamination, foreign objects, labeling errors, allergen failures, or illness — product liability coverage pays your legal defense costs and any resulting damages. This is the single most important coverage for any beverage manufacturer, and it's the one that requires the most careful placement. Retail chains, distributors, and co-packing facilities will also require you to carry product liability as a condition of doing business. Limits and policy structure matter — we'll make sure yours is right.

Covers bodily injury and property damage claims arising from your business operations — including incidents at your production facility, warehouse, taproom, or during customer and vendor visits.

Delivery vehicles used for business purposes are not covered under personal auto policies — and a standard commercial auto policy may not be structured for beverage distribution. Fleet coverage for beverage businesses needs to account for cargo in transit, loading and unloading exposure, and liquor liability where applicable.

Protects your product while it's in transit. Spoilage, breakage, theft, and temperature damage during delivery are all real exposures for beverage brands. Standard commercial auto policies don't cover cargo — this requires a separate inland marine or cargo policy structured for the product you're moving.

Covers your production facility, warehouse, equipment, inventory, and raw materials against fire, theft, vandalism, and other covered losses. For beverage manufacturers, specialized equipment and temperature-sensitive inventory need to be properly valued — standard commercial property underwriting often misses this.

A bottling line failure, fermentation tank breakdown, or refrigeration system outage can halt production for days or weeks. Equipment breakdown coverage — sometimes called boiler and machinery insurance — pays to repair or replace the equipment and covers the business income you lose while you're down. This is essential for any production-dependent beverage operation.

A recall can be financially devastating for a beverage brand — covering logistics for pulling product from distribution, notifying retailers and consumers, regulatory compliance costs, and the value of the recalled product itself. The PR and reputational costs that follow a recall can be significant even when the actual defect is minor. Product recall insurance is particularly important for brands selling at regional or national scale.

If a covered loss forces you to halt operations — a fire, equipment failure, or supply disruption — business interruption coverage replaces the income you lose during the shutdown period. For beverage manufacturers with seasonal production cycles or time-sensitive distribution commitments, business interruption can be critical to business survival after a major loss.