Breweries and Wineries

Breweries and wineries have unique operations that call for specialized insurance. That’s why we have carriers who know this industry–specific coverage and extensive loss control services. Our insurance companies are customizable, giving breweries and wineries the right coverage at the right price.

Essential Property and Casualty Coverage

With our carriers having unique Breweries and Wineries Programs they offer specialized coverages for buildings, businesses’ personal property and the personal property of others. Coverage highlights include:

• Beverage contamination—Beverages need protection against contamination concerns such as wild bacteria or residual cleaning solvents.
• Key employee replacement expense—Essential personnel like brewmasters and enologists can be difficult to replace in the event of permanent disability or death.
• Processing errors—Breweries and wineries are protected if batches aren’t quite right due to errors such as unintentional blending of products or accidentally adding too much water.
• Product withdrawal expenses—Expenses associated with a product recall could include costs to notify customers, shipping fees to return the products or the cost of temporary employees to assist with the recall.
• Tank collapse and leakage—Finished or in–process products can become unusable due to tank failure or leakage.

Affiliation With the Brewers Association

A few of our carriers are proud members and supporters of the Brewers Association, a nonprofit organization that promotes and celebrates small and independent craft brewers. We value the local, personalized service that these craft brewers provide, the same way we value independent agencies that offer a superior level of expertise to our policyholders.

Please refer to your actual policy for a complete list of losses not insured and policy exclusion.

Ask an Agent at Johannes Agency for more on which Commercial Insurance product is right for you!