Insurance Solutions for Australian Distilleries
Running a distillery involves unique risks, from specialised production equipment and valuable stock through to cellar door operations, tastings and events. Having the right insurance in place can help protect your business, assets and reputation.
At Brindabella Insurance Brokers, we work with distillery businesses to arrange tailored insurance solutions designed to meet the specific needs of the industry.
What Is Distillery Insurance?
Distillery Insurance is designed for businesses involved in the production, storage and sale of alcoholic beverages both domestically and internationally.
Unlike standard business insurance, distilleries often require specialised protection due to the risks associated with alcohol production, flammable materials, machinery, stock and public interactions.
Common Risks for Distilleries
Many distilleries face risks such as:
- Fire and explosion
- Equipment breakdown
- Product contamination
- Stock spoilage or leakage
- Theft
- Business interruption
- Public liability claims
- Product liability claims
A well-structured insurance program can help protect against the financial impact of these events.
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
- Errors and Omissions
- Event Liability
- Product Recall Insurance
Frequently asked questions
How should maturing stock be insured?
On the basis you would actually replace it, which for aged spirit is not simply the cost of the raw ingredients. Barrelled stock that has been maturing for years carries real value and needs a sum insured that reflects it.
Do insurers ask about how we store spirit?
Yes, closely. Bunding, ventilation, ignition source control, electrical compliance and separation of the still room all affect both whether an insurer will quote and what they charge.
Is our cellar door covered for public visitors?
It can be, but tastings, tours and events need to be disclosed. Serving alcohol on site brings liability exposures that a production-only policy does not contemplate.
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.