At Premierline, we offer a specialist insurance package called Premier Brewery & Distillery Insurance, designed to provide comprehensive protection for your business.
Alternatively, we can tailor a package to meet your specific needs, ensuring you have the right cover in place. Running a microbrewery or distillery comes with unique risks, from equipment breakdowns to public liability claims.
Standard business insurance may not provide the specialised protection required for brewing and distilling operations. That’s why we have worked with industry experts to develop a tailored brewery & distillery insurance package, offering comprehensive cover designed specifically for your business. We’re also associate supplier members of SIBA (The Society of Independent Brewers) which represents around 750 British independent craft brewers across the UK. If you’re part of SIBA and you take out our Premier Brewery & Distillery Insurance package, you’ll also receive additional benefits.
Whether you run a microbrewery, craft brewery, nano-brewery, or distillery, this specialist policy ensures you’re protected against key industry risks, allowing you to focus on perfecting your craft. You can tailor the policy to your exact needs, to guarantee your microbrewery or distillery is protected to the exact level you want.
As specialist brewery insurance brokers, our experts are here to help you find the right insurance package for your business. If this specialist brewery & distillery insurance package doesn’t meet your requirements, we can compare quotes from leading insurers to ensure you have the comprehensive cover needed for your specific brewery or distillery operations.
Our friendly and knowledgeable team will work with you to tailor an insurance package that fits your business, so you get the exact protection you need, without paying for cover you don’t.
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
At Premierline, we have supported commercial and industrial businesses for over 20 years, we specialise in arranging comprehensive brewery and distillery insurance. Here’s why so many trust us with their brewery insurance needs:
Designed for Micro Breweries
Premier Brewery & Distillery insurance is trusted by brewery industry professionals and designed to meet the needs of breweries and distilleries.
Award-winning service
We’ve been supporting businesses in the brewing and hospitality sector for over 20 years.
Expert guidance
Our team understands the unique risks faced by breweries and distilleries and can arrange cover that meets your needs.
Comprehensive protection
Covers everything from brewing equipment and stock to liability for public tours and taproom operations.
UK-based insurance experts
Based in Lancaster, we are here to help you find the right cover. We make it easy to arrange insurance, saving you time so you can focus on running your operation.
This exclusive package covers all of the below as standard, you can speak to one of our experts to personalise your package to your exact needs though.
Property damage
Business interruption
Goods in transit
Money and assault
Employers’ liability
Public and product liability
All risks specified items
Personal accident
Directors and officers
Bursting barrels and bottles
Stock at bottling premises
European hop, grain and malt suppliers
Beer festivals and markets cover
Brewery tours
Deterioration of stock
Loss of licence
Our insurance experts will also be able to talk you through additional covers that can also be added to your package, some of these could be:
Legal expenses
Terrorism cover
Cyber and data protection
Specialist flood cover
Equipment breakdown cover
We understand that standard business insurance isn’t always suitable for microbreweries and distilleries, which is why we worked with a specialist insurer to create a tailored insurance package that meets your needs. These are some of the core covers included in the Premier Brewery & Distillery insurance package, as well as those listed above.
Public liability insurance protects your brewery or distillery against claims from visitors, suppliers, and third parties who suffer injury or property damage at your premises. Essential for businesses offering brewery tours, taprooms, or public events.
Product liability insurance is an essential cover that protects your business if a consumer experiences harm or illness due to your brewery or distillery products.
If a customer is injured by an exploding bottle or becomes unwell after consuming your drinks, this cover ensures you are protected against legal or medical claims, helping safeguard your business from financial loss.
Employers’ liability insurance is a legal requirement if you employ staff, this cover protects against claims from employees who are injured or become ill due to their work.
Given the physical nature of brewery and distillery work – handling barrels, operating machinery, and working in wet environments – workplace injuries can occur. This cover ensures medical costs, legal fees, and compensation claims are covered, safeguarding both your employees and your business, in the event of a workplace accident.
Your brewery or distillery premises, equipment, and stock are among your most valuable assets. If anything happens to them, your business could face significant disruption.
Our specialist cover includes:
If your brewery or distillery is forced to close due to a flood, fire, or theft, you may be unable to continue trading or brewing – leading to financial losses. Business interruption insurance provides cover for lost profits while your operations are suspended, helping you get your business back on track.
Our specialist brewery & distillery insurance package also includes cover for industry-specific risks that could disrupt your operations, such as:
Goods in transit cover protects your stock while being transported, whether by your own vehicles, hauliers, rail, or postal services.
This cover ensures your business is protected against losses caused by damage or theft from the moment your products leave your brewery or distillery until they reach their destination.
It also extends to products being transported for:
Extends public liability insurance to cover brewery tours, tastings, and events, ensuring your business is protected when welcoming visitors.
With the rise of craft beer tourism, many breweries offer tours and tastings to engage customers. Whilst great for brand exposure, these activities come with risks, such as slips, trips, or allergic reactions. This cover ensures you’re protected against claims arising from guest accidents.
The quality of your stock is essential to your business. However, temperature changes, equipment failures, or other unforeseen issues can lead to spoilage, putting your products – and profits – at risk.
Deterioration of stock insurance is included as standard in our brewery & distillery insurance package, protecting your business from financial loss if stock becomes spoiled.
This cover is particularly important for breweries and distilleries that rely on controlled storage environments to maintain product quality.
If your alcohol licence is revoked, preventing you from selling or serving your product, due to circumstances beyond your control, this cover can help mitigate financial losses.
This policy may also assist with legal expenses related to appealing a lost licence, subject to policy limits.
Equipment breakdown cover protects your brewing and distilling equipment against physical damage and financial loss caused by malfunctions or accidents.
We understand that breweries and distilleries rely on specialist equipment, and if a critical system fails, it can halt production – leading to significant financial losses.
This cover helps with the costs of repairs and replacements for essential equipment such as heating systems, computer controls, and brewing machinery, ensuring you can resume operations as quickly as possible.
Brewery & distillery insurance is essential for businesses involved in brewing or distilling alcoholic beverages. A tailored insurance package ensures financial protection against claims, operational disruptions, and property damage.
This cover is vital for:
If your business falls into any of these categories, having the right brewery & distillery insurance in place is crucial to safeguard against industry-specific risks.
The cost of brewery and distillery insurance depends on factors such as:
We compare quotes from leading insurers to find the right cover at the best price for your business. Get in touch today for a tailored quote and exact costings for your business.
“We had a great experience from Premierline. The team was really friendly and responsive. They were very patient with us as we had to change details a few times due to premises falling through and various other challenges, we appreciated this.”
Ensure your brewery or distillery is fully protected with a specialist insurance package. Contact our experts today to create the right insurance solution for your business.
Yes, our policy includes cover for stock and equipment at beer festivals, exhibitions, trade fairs, and farmers’ markets. So, your business is always protected, no matter where you are.
Yes, product liability insurance is included as standard in our Premier brewery and distillery insurance package. It’s an essential cover that protects against claims related to harm or illness caused by your products.
Business interruption insurance and buildings insurance are included as standard in our brewery & distillery insurance package.
If your equipment breaks down due to an insured event, these covers help:
This ensures you can recover quickly and minimise disruption to your operations.
We understand that stock levels fluctuate throughout the year, especially during busy periods like Christmas. That’s why, in most cases, our brewery & distillery insurance automatically increases stock cover by 30% during November, December, and January, or for any other period you choose.
This ensures your business remains fully protected during peak trading times, giving you peace of mind that your stock is covered when you need it most.
Yes, this specialist package provides protection against damage and losses as a result of burst barrels and bottles.
Yes, the Premier brewery and distillery insurance package provides protection if water supply contamination disrupts your business or if supplier issues impact the quality of your ingredients.
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