Brewery and distillery insurance
A specialist insurance package designed to protect breweries, microbreweries, craft breweries, and distilleries from unexpected and common risks in their industry.
Compare brewery & distillery insurance quotes
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.
Start a quote
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
Speak to an expert
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
Why choose Premierline?
We're brewery insurance experts
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 BreweriesPremier Brewery & Distillery insurance is trusted by brewery industry professionals and designed to meet the needs of breweries and distilleries.
- Award-winning serviceWe’ve been supporting businesses in the brewing and hospitality sector for over 20 years.
- Expert guidanceOur team understands the unique risks faced by breweries and distilleries and can arrange cover that meets your needs.
- Comprehensive protectionCovers everything from brewing equipment and stock to liability for public tours and taproom operations.
- UK-based insurance expertsBased 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.
What does brewery & distillery insurance 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.
Brewery public liability insurance
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
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
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.
Property & stock cover
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:
Business interruption insurance
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
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:
Brewery tours & taproom liability insurance
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.
Deterioration of stock insurance
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.
Loss of licence insurance
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
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.
Our customer reviews and testimonials
“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.”
Distillery
Customer since July 2025
Our independent customer reviews
Who needs brewery & distillery insurance?
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.
Start a quote
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
Speak to an expert
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 & distillery insurance FAQs
Does brewery insurance cover festivals and markets?
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.
Does brewery insurance include product liability?
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.
What happens if my brewing equipment breaks down?
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:
- Compensate for lost profits if your business is unable to operate.
- Assist with repair and replacement costs for damaged brewing or distilling equipment.
This ensures you can recover quickly and minimise disruption to your operations.
If my stock levels change, how is my insurance affected?
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.
Does brewery & distillery insurance protect against burst barrels?
Yes, this specialist package provides protection against damage and losses as a result of burst barrels and bottles.
Can brewery insurance cover pollution or contamination claims?
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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