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Microbrewery Insurance: Protect Your Craft and Your Passion

Are you brewing up something special in the world of craft beer? At Primo, we understand the unique challenges and rewards of running a microbrewery. That's why we offer tailored insurance solutions designed to protect your passion, your product, and your business.

The Insurance Your Microbrewery Needs

Our microbrewery insurance is more than just a policy; it's a comprehensive shield for your craft. We offer a Commercial Combined Policy that brings together essential covers into a single, convenient package:
  • All Risks Basis:

    Protects your business against a wide range of risks, from property damage and equipment breakdown to product liability and business interruption.
  • Non-Standard Construction Buildings:

    Many microbreweries operate in unique spaces. We've got you covered, no matter the structure of your brewery.
  • Events, Tours, and Visitors:

    We cover the risks associated with hosting events, tours, and welcoming visitors to your premises.
  • Brewery Plant, Equipment, and Piping:

    Safeguard your valuable assets against damage, loss, or theft.
  • Stock Protection:

    We cover loss of beer stock due to temperature fluctuations or accidental contamination.
  • Off-Site Coverage:

    Your policy extends to events like beer festivals and farmers' markets, where you showcase your craft.

Additional Coverage Options

We can further tailor your insurance with additional options, such as:
  • Product Liability:

    Protect against claims if your products cause illness or injury.
  • Business Interruption:

    Maintain income flow if your operations are disrupted by a covered event.
  • Cyber Insurance:

    Safeguard your business from cyber threats like data breaches and ransomware attacks.

Why Choose a Broker?

Working with a specialist broker like Primo offers distinct advantages:
  • Expertise:

    We understand the intricacies of the brewing industry and can guide you to the right coverage choices.
  • Personalised Service:

    We take the time to understand your unique business needs and tailor a policy accordingly.
  • Access to A-Rated Insurers:

    We partner with financially secure insurers who can handle your claims quickly and efficiently.
  • Ongoing Support:

    We're here to help you throughout the policy term, providing advice and assistance as needed.

Ready to Raise a Glass to Peace of Mind?

Don't leave your microbrewery exposed to unnecessary risks. Contact our team today for a no-obligation consultation and let us help you craft the perfect insurance solution for your thriving business.
Cheers to your success!
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Questions
Your assigned broker is happy to answer your concerns.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.

Microbrewery Insurance FAQ: Your Questions Answered | Primo

  • What is microbrewery insurance, and why do I need it?

    Microbrewery insurance, also known as craft brewery insurance, is a specialised type of commercial insurance designed to protect small-scale, independent breweries. It safeguards your business from financial losses due to accidents, property damage, equipment breakdowns, product liability claims, and other risks specific to the brewing industry.
  • What types of coverage are typically included in microbrewery insurance?

    A comprehensive microbrewery insurance policy often includes:
    • Property Insurance: Covers damage to your brewery building, equipment, and stock due to fire, theft, vandalism, or natural disasters.
    • Public Liability Insurance: Protects you if someone is injured or their property is damaged on your premises or due to your products.
    • Product Liability Insurance: Covers claims if your beer causes illness or injury to consumers.
    • Business Interruption Insurance: Provides income replacement if you have to temporarily close due to a covered event.
    • Employers' Liability Insurance: Mandatory if you have employees, this covers compensation claims for work-related injuries or illnesses.
  • What additional cover options are available for microbreweries?

    You can tailor your insurance with additional options like:
    • Stock Spoilage Insurance: Covers the loss of beer due to contamination or equipment malfunction
    • Equipment Breakdown Insurance: Covers repair or replacement costs for essential brewing equipment.
    • Cyber Insurance (standalone policy): Protects against data breaches, cyberattacks, and other online risks.
    • Product Recall Insurance: Covers expenses associated with recalling a product due to safety concerns.
  • How much does microbrewery insurance cost?

    The cost of microbrewery insurance varies depending on various factors, including:
    • The size of your brewery and the value of your assets.
    • Your annual production volume and revenue.
    • The types of cover you choose and their limits.
    • Your claims history.

    It's recommended to obtain quotes from multiple insurers to compare prices and cover options.
  • Is microbrewery insurance a legal requirement in the UK?

    Employers' Liability insurance is legally required if you have employees. While other types of microbrewery insurance are not mandatory, they are highly recommended to protect your business from financial ruin.
  • Do I need microbrewery insurance if I only sell beer on-site at my taproom?

    Yes, even if you only sell beer on your premises, you still need insurance. Public liability insurance is crucial to protect you from potential claims if a customer is injured at your taproom or has an adverse reaction to your beer.
  • Does microbrewery insurance cover events like beer festivals and farmers' markets?

    Many microbrewery insurance policies include cover for off-site events like beer festivals and farmers' markets. However, it's important to confirm the specifics with your insurer and ensure you have adequate cover for these activities.
  • Can I get insurance for my microbrewery if I'm just starting out?

    Yes, insurance is available for new microbreweries. Some insurers even offer specialized policies for start-up breweries with lower premiums and tailored coverage options.
  • How do I choose the right insurance provider for my microbrewery?

    Look for an insurer with experience in the brewing industry and a good reputation for claims handling. Compare quotes from multiple insurers and read reviews from other microbreweries. Consider working with a specialist insurance broker who understands the unique needs of the craft beer industry.
  • What should I do if I need to make a claim on my microbrewery insurance?

    Contact your insurance provider as soon as possible and provide them with all relevant details about the incident. They will guide you through the claims process and help you get the compensation you're entitled to.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker is happy to answer your concerns.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
We ensure obtaining your insurance is straightforward.
four wooden dolls take cover under a peach coloured umbrella
Protected
Correctly covering your business grants you great peace of mind.