Craft Beverage Insurance

Craft breweries face many challenges today with increased competition, government licensing and regulations, production, distribution, quality control, insurance, human resources, financing, etc.

Don’t let insurance be one of those challenges. Allen Craft can help simplify both so you can spend more time brewing beer.

We understand the craft brewing industry and work with breweries of all sizes. From startups to large regional/national brands, we have programs that can accommodate your brewery.

Working with a number of the top regional and national insurance companies, we can tailor a program specific to your brewery with specialized coverage and competitive rates.

THINGS TO CONSIDER

BEER VALUATION
Beer in tanks, beer in barrels, finished product in your cold room – How does your insurer value your product? Do you know what your current insurance will pay, if anything, when something goes wrong?

SPOILAGE & CONTAMINATION
A cleaning chemical is spilled into a brite tank ruining the beer inside or a glycol system failure causes you to lose multiple batches of beer that are in active fermentation – do you have the proper coverage to protect against this?

TANK COLLAPSE / LEAKAGE
While transferring beer between tanks a pressure relief valve fails causing the tank to collapse, is this covered? A fermentation vessel seal fails causing the batch of your new DIPA to spill out, is the beer covered?

BONDS
Many states require bonds to guarantee taxes are paid on the beer you produce and/or distribute. We can turn these around very quickly to avoid unnecessary delays in licensing or distribution agreements.

ENDLESS EXPOSURES
Product Recall Expense, additional insureds, coverage for brewfests, beer gardens, draft trailers… the list of exposures and possible issues are endless. Having the team at GHM Craft there to identify exposures, answer your questions, and develop an insurance and HR program specific to your brewery needs will allow you to spend less time thinking about those things and more time brewing beer.

Brewpubs have all the challenges of a brewery with the added complexities of running a restaurant.

GHM Craft works with some of the top brewpubs helping them with all aspects of insurance and human resources.

Working with a number of the top regional and national insurance companies, we can tailor a program specific to your brewpub with specialized coverage and competitive rates.

Whether you own one location or several, brewpubs with separate manufacturing spaces, multi-state risks, or other unique business model, we can accommodate almost any combination.

THINGS TO CONSIDER

SPOILAGE & CONTAMINATION
Meat, cheeses, veggies and of course beer – all items that are susceptible to spoilage or contamination and vital to your business. Using coverage forms specifically designed for brewpubs we can provide coverage for mechanical breakdown, power outage and other exposures unique to brewpubs.

BEER VALUATION
Beer in tanks, beer in barrels, finished product in your serving tanks – How does your insurer value your product? Do you know what your current insurance will pay, if anything, when something goes wrong?

LOSS CONTROL & SAFETY SERVICES
With more employees comes the increased likelihood for workers’ comp claims. Broken glasses, sharp knives, hot grease, grills, and ovens all have the potential to cause harm to your employees. GHM Craft can coordinate loss control services and help develop safety programs, accident investigation, return to work programs and other safety services to reduce claim frequency and severity, get your employees back to work sooner and keep your workers’ comp costs down.

ENDLESS EXPOSURES
Catering events, function rooms, additional insureds, coverage for brewfests, beer gardens, and more … the list of exposures and possible issues is endless.

Having the team at Allen Craft there to identify exposures, answer your questions, and develop an insurance and HR program specific to your brewpub needs will allow you to spend less time thinking about those things and more time selling beer.

Organizing an event can be very challenging. An event that involves many breweries, food trucks/vendors, entertainment and hundreds or thousands of fun-loving, beer-drinking attendees has many exposures and potential problems. Having the right insurance coverage is critical.

Allen Craft can not only help with the general and liquor liability insurance for your event but we can also help you manage the collection of certificates for the breweries and other vendors that are attending to make sure all participants are covered and ultimately reducing your exposure to claims and losses.

ASK YOURSELF THESE QUESTIONS:

• What if a tent collapses injuring a bunch of people?! Would you be covered or have enough coverage for the resulting injuries and claims?

• What happens if a hurricane comes ashore the weekend of your event causing you to have to reschedule or cancel the event entirely… can insurance help with this?

• A volunteer working at your event injures their back while carrying a keg. Will their medical bills be covered?

Using a variety of insurance companies that specialize in event liability, weather cancellation or other coverages, we can tailor a program to protect your organization.

Allen Craft works with distillery operations from small startups to large operations with multiple locations.

Our team has extensive expertise in understanding the inner workings of liquor distilleries and liquor blending, and how insurance applies to your unique set of exposures.

Spend just a few minutes with a member of our team and you’ll quickly realize that we fully understand your business. We know that sterile tanks & vats and vulnerable liquid inventories need special attention – yours and ours.

Understanding your business and what matters most to you is the key to our longevity. That’s why we are a trusted agency for business insurance, life insurance and employee benefits needs.

We will work closely with you and your team, along with representatives of your insurance company, and your other key advisers to coordinate a comprehensive insurance strategy that fits your business’s needs.

Offering complete solutions combining specific manufacturing coverages with traditional farm coverages, Allen Craft can help with insurance coverages appropriate for all aspects of the operations of wineries, cideries and meaderies, from alcohol manufacturing and distribution to the retail segment.

Each business in this segment has a unique range of exposures. The team at Allen Craft knows that a standard, off-the-shelf insurance policy isn’t enough: You need insurance coverage as unique as your products, your business and your people.

Lines of insurance for these operations:

Allen Craft provides in-person service across most of New England. We’re also active Brewer’s Guild members in Maine, Vermont, New Hampshire and Massachusetts. Offering Craft Beverage Programs from the top-tier insurance carriers means we can serve locations nationwide.

Our team is actively expanding our Craft Beverage Insurance programs to businesses in the towns and cities within the Mass Interstate 495 corridor, from Framingham to Worcester, and all towns North of Boston. Be sure to say hello when we visit your establishment!

Within Middlesex County:

Cambridge, Lowell, Newton, Somerville, Framingham, Waltham, Malden, Medford, Everett, and Woburn.

We’re also serving the following cities/towns in Massachusetts:

• Boston
• Ipswich
• Northampton
• Reading
• Worcester
• Marlborough
• Westborough
• Quincy
• Braintree
• Lawrence
• Newton
• Haverhill
• Medford
• Danvers
• Peabody
• Salem
• Arlington
• Brookline
• Plymouth