Owning a brewery is exciting and rewarding, but it also comes with serious responsibility. Along with brewing quality beer, managing staff, and creating a welcoming space for customers, you also face real risks tied to serving alcohol. One common question many brewery owners ask is whether liquor liability insurance is already included in a standard brewery insurance policy.
The answer matters greatly because it can determine whether your business is fully protected with the right coverage or left exposed to costly and unexpected gaps that may impact your future success.
A standard brewery insurance policy typically protects several key areas of a brewery's business operations.
These coverages form a strong foundation, but they usually do not extend to problems linked directly to alcohol service. This is where liquor liability insurance becomes a vital component in safeguarding your business.
Liquor liability insurance is designed to protect your brewery against claims that come from serving alcohol. For example:
In such situations, your business may face lawsuits and substantial financial liability. Liquor liability insurance helps cover the costs of legal defense, settlements, and court judgments. Without this coverage, a single claim could create significant financial strain and disrupt your business operations.
In many cases, liquor liability insurance is not automatically included in a brewery insurance policy. Some insurance providers may offer it as an optional add-on, while others require a separate policy. Relying solely on general liability coverage is insufficient, as alcohol-related incidents are typically excluded.
This is why it is essential for brewery owners to carefully review their policy and confirm if liquor liability is included. If it is not, adding it ensures your business is protected from risks that general coverage does not address.
Every brewery is unique, and insurance needs vary depending on the size of your operation, the volume of alcohol you sell, and the way you serve customers. Smaller breweries may think the risks are lower, but even a single incident can result in substantial expenses. Larger breweries with higher traffic may face even greater exposure.
At Humble Insurance Group, we help brewery owners understand these risks and secure protection that fits their business. Our team ensures that liquor liability insurance for breweries is in place, allowing you to continue brewing, serving, and growing your business with confidence.
Contact us at (425) 226-8221 today to learn more about liquor liability insurance and how it can help protect your business.
Read more: How Insurance Protects Your Brewery from Risks
It covers claims related to alcohol service, such as injuries, property damage, or accidents caused by intoxicated customers.
Yes, breweries can face legal action if a customer causes harm after consuming alcohol at their establishment.
No, general liability usually excludes claims tied to alcohol, which is why liquor liability coverage is essential.
Yes, even small breweries face risks when serving alcohol, and one lawsuit could be financially damaging.
The cost depends on factors like sales, location, and claims history. While premiums vary, they are often much less than the cost of handling a lawsuit.
