Insurance Solutions for Australian Breweries
Running a brewery involves a unique combination of manufacturing, storage, hospitality and distribution risks. From brewing equipment and valuable stock through to taprooms, tours and events, having the right insurance in place is essential for protecting your business.
At Brindabella Insurance Brokers, we help breweries arrange tailored insurance solutions designed to meet the specific needs of the brewing industry.
What Is Brewery Insurance?
Brewery Insurance is designed for businesses involved in the production, storage, distribution and sale of beer and other brewed beverages.
Unlike standard business insurance, breweries often require specialised cover to address risks associated with brewing operations, fermentation processes, production equipment, stock, hospitality activities and public visitation.
Common Risks for Breweries
Many brewery businesses face risks such as:
- Fire and property damage
- Equipment breakdown
- Product contamination
- Stock spoilage
- Theft and malicious damage
- Business interruption
- Public liability claims
- Product liability claims
- Taproom and event-related exposures
A tailored insurance program can help reduce the financial impact of unexpected events and keep your business operating with confidence.
Insurance Options May Include
Depending on your operations, cover may include:
- Property Insurance
- Business Interruption Insurance
- Public Liability Insurance
- Product Liability Insurance
- Equipment Breakdown Insurance
- Management Liability Insurance
- Cyber Insurance
- Commercial Motor Insurance
- Stock and Contents Insurance
Frequently asked questions
Is a ruined batch covered?
Stock cover can respond when a batch is lost through an insured event such as equipment failure or contamination. The value should be set on excise-paid finished goods where relevant, which is often higher than brewers first estimate.
Does my taproom need separate cover?
Not separate, but it does need to be disclosed. Serving the public on site adds liability, food and licensed venue exposures that a straight manufacturing policy will not contemplate.
Are tanks and pressure vessels covered for breakdown?
They can be. Machinery breakdown extends to pressure vessels and refrigeration plant, and insurers will ask about inspection and maintenance records for anything under pressure.
Request a Quote
Whether you’re reviewing your current insurance, starting a new business, or looking for specialist advice, our team is here to help.
Contact Brindabella Insurance Brokers today for a tailored insurance solution designed around your business and its unique risks.