Brewer sampling beer from a fermenter

Brewery & Distillery Insurance

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Micro-brewing and distilling operations have a variety of exposures that need to be managed well in order to run their businesses effectively.
Micro-breweries differ from more traditional, large scale brewers, presenting owners with a unique set of risks. A typical business insurance policy is therefore not always adequate to cover the unique risks faced by micro-brewers and distillers. That's why we've worked with an insurance provider who understands these risks and have created a product, Premier Brewery and Distillery insurance, with specific covers designed to suit the needs of the micro-brewery and distillery industry as standard.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Brewery insurance is designed to protect against many unexpected and fortuitous events that can lead to losses or claims being made against you and your business. Without the right cover in place, you may become personally liable for these losses and claims.
When deciding what insurance and covers you need to protect your business, you should consider the following:

Breweries are at high risk of various hazards that can cause significant financial losses to your business. Accidents like fire, theft, floods, and other natural calamities can occur at any time, causing damage to your stock, equipment, and premises. Without proper insurance, you could be faced with substantial financial losses that could put your business at risk.

Having brewery insurance in place can provide financial protection and help you recover from unforeseen events. It can cover the cost of repairing or replacing your stock, equipment, and building, as well as compensating for any damage caused to third-party property or injury to an employee.

While we highly recommend purchasing business insurance, the decision to get brewery insurance should be based on your evaluation of the risks involved in your business, the value of your assets, and your tolerance for potential financial losses.

Covers that come as standard with Premier Brewery and Distillery Insurance include:

  • Public & Products liability
  • Employers' liability
  • Property damage
  • Business interruption
  • Goods in transit
  • Money & assault
  • All risks specified items
  • Personal accident
  • Directors & officers
  • Loss of licence

Optional covers to consider are:

  • Legal expenses
  • Terrorism
  • Cyber & data
  • Production equipment and breakdown
  • Specific flood cover - (if in a high risk area)

The cost of your brewery insurance will depend on the size of your business, its activities, the location of your premises and the amount and type of covers you require to protect your business.

The value you gain from having the right cover in place is a huge benefit to you and your business. Having a robust insurance policy in place, to cover your brewery or distillery gives you the peace of mind that, should you need it, during your time of need, you are protected.

We've been supporting leisure and hospitality businesses for over 20 years. During this time we've helped breweries and distilleries arrange their business insurance, ensuring their operations are protected adequately.

What's more, we've worked with a specialist insurance provider who has created Premier Brewery and Distillery Insurance with specific covers tailored for the micro-brewery and distillery industry as standard.

We understand that your stock levels may vary throughout the year, particularly during the Christmas period, that's why you automatically get an increase in the level of stock cover of 30% during the months of November, December and January or for any other period you choose to select.

The insurer will indemnify you for reduction in the value of your interest in the premises or the business following a loss of licence.

In addition, the policy may also pay for costs and expenses incurred to appeal against the loss of licence (with prior agreement from your insurer) up to certain level as defined in the policy documentation.

Yes! With Premier Brewery and Distillery Insurance, goods in transit is covered as standard with a limit of indemnity of up to £10,000. It even extends to cover personal possessions worn or carried by the drivers during transit but excludes cash, credit cards, watches and jewellery.
As stressful as that is, we can help. The policy will indemnify you to include loss resulting from interruption or interference as a result of polluted water being supplied to the premises (up to certain limits as defined in the policy documentation).
Yes! The policy indemnifies you in respect of liability arising out of provisions of tours, demonstrations, open days and similar events undertaken by you at your premises.
Let us put your mind at rest, this is covered under property damage and also extends to include bursting of bottles too! (up to certain limits).
“All went well with the renewal. Experienced and knowledgeable providing good level of service and support throughout. Will be using them again going forward.”
Customer since December 2021
4.7/5 stars
341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.
Let Premierline Business Insurance Broker help your micro brewery or distillery grow and prosper. With access to a bespoke insurance product that will cover your micro brewery or distillery and help ensure that you are protected from a variety of unexpected situations.
Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm