You're just starting out with your nano brewery. It's all hands on deck and loads of fun.
You and your mates are doing all the work and selling whatever you make to family and friends and a few of the local bottle shops. It's hard work but cool.
And whilst you carry many of the risks and liabilities of larger brewers realistically you are taking much of that on your shoulders.
This covers all the stuff you need to make beer – tanks, pumps, mash urns, electrical equipment – and includes the buildings, contents and stock* in case certain events happen.
These include fire, storms, malicious damage, explosions, earthquake, wind, and leakage of liquids, including water.
Any one of those events could be enough to stop the business. Which would be devastating.
* Including customers & supplier’s goods.
If members of the public come onto your business premises, then you must have this. Whether it’s brewery tours, your own taproom, bar area, or suppliers coming onto the site, your business is exposed.
During daily business activities, accidents and mistakes can happen. If they cause injury, losses or damage your business is potentially liable.
Public Liability insurance protects your business for any such events, including injury to other people, or their property.
Products Liability covers you if your products injure or damage a third party. You are responsible at law – and need protection.
Free Risk Audit
Chris Pensabene, CFO, Stone & Wood BreweryThe best thing is the direct contact with their staff. They know who we are, they know our business, they know what policies we have in place. It's very easy to do business with them.
They've got a good handle on the industry which matters. They identify areas of risk and when we have claims they'll work through which policy to claim under, which is going to make the most sense for us.
There’s always someone on the phone if we need help. I feel confident they’re on top of everything and we've got appropriate coverage in place.
James Greig , Founder , Wildflower GinOpening up a distillery is a minefield of potential risks from security to safety. Finding someone that focuses on just this area has given me a lot of comfort.
Matt and the team at Craft Brewery Insurance are great to deal with and we'd be happy to recommend them to anyone.
Shaelene Hancock, Philanthropy Officer, Gold Coast Hospital FoundationThanks so much for Craft Brewery Insurances' support and sponsorship of the Brewers lunch event last Friday - there was just under $10k raised for the Foundation and we're all absolutely thrilled with the result and support!
