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Insurance for Local Texas Breweries

Serving Up the Perfect Insurance Protection

Insurance for Local Breweries in Texas.

From microbreweries and beer gardens to taprooms and regional distilleries, SOGO Insurance is your comprehensive solution to insuring your growing business with a local broker and admitted policies.

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Business is booming, and your company attends a local beer festival to promote your new summer beer. Unfortunately, when handing out samples, an individual at the event trips on your keg and suffers a concussion requiring immediate medical attention. SOGO insurance can help you manage what happens next with the proper coverage. 

We provide our business owners peace of mind by pairing our incident prevention and claims management systems with our admitted insurance solutions. So whether it’s a slip and fall in your tasting room, contaminated products, or overserving alcohol, let SOGO Insurance provide the protection you need at the price you want. 

Use the yellow hot spots and explore how brewery insurance can help protect against common risks.
Environmental Liability
Risk Factor

Environmental liability exposures are not just for oil companies, nuclear power plants, and industrial mining operations. Breweries have wastewater and waste management concerns. Depending on the location of the brewery, previous use of property may also be an issue.

Solution

Strict liability laws apply to the brewing industry. Court-ordered injunctions, fines, and cleanup costs can be crippling. Almost all commercial liability policies contain some type of pollution exclusion. Coverage exists for this exposure through a standalone policy.

Note: Actual policies must be consulted for specific terms and conditions.

Business Auto Insurance
Risk Factor

Automobile exposures are significant, especially if you handle your own distribution.

Solution

Employees need to be trained and aware of the exposures associated with driving for the brewery. Business auto insurance provides coverage for damages arising out of the use of automobiles for business purposes. A fleet safety program is a critical risk management strategy.

Note: Actual policies must be consulted for specific terms and conditions.

Premises Liability
Risk Factor

If open to the public, you are responsible for the well-being of visitors. This exposure is amplified if you offer brewery tours.

Solution

Given the possible hazards guests can be exposed to, it is important to keep tours confined to safe areas and preplanned routes. General liability insurance provides coverage for bodily injury, physical injury, or other personal injury related claims.

Note: Actual policies must be consulted for specific terms and conditions.

Crime
Risk Factor

What do you do if one of your trusted employees is found guilty of doing something dishonest as it relates to his or her work with you?

Solution

Crime coverage can be obtained in your commercial property insurance policy, but coverage is very limited. Consider a standalone policy as well.

Note: Actual policies must be consulted for specific terms and conditions.

Cyber Liability
Risk Factor

Customers or employees who entrust you with private information, such as credit card or social security numbers, put you at risk. If this data is lost, stolen, or compromised, you may be legally obligated to alert those affected by the breach.

Solution

Securing a cyber liability policy can cover expenses associated with compliance requirements, such as data breach notification, securing legal counsel to advise on incident response, credit monitoring services, public relations expenses, and paying for regulatory defense and penalties arising from privacy law violations.

Note: Actual policies must be consulted for specific terms and conditions.

Bonds
Risk Factor

If a bonded brewery fails to pay taxes appropriately, the bond amount can be used to pay the owed taxes as well as any other fees that might accompany the unfulfilled payment.

Solution

The brewer's bond is the cost of admission. They are known by a number of names; alcohol tax bonds, liquor license bonds, ATF bonds, and TTB bonds, but they all perform the same function. Government agencies that regulate breweries require bonds to ensure all taxes are paid appropriately. A knowledgeable insurance provider can help you navigate the bonding process.

Note: Actual policies must be consulted for specific terms and conditions.

Employment Practices Liability Insurance (EPLI)
Risk Factor

It’s estimated that three out of five businesses will be sued by their employees. Companies are vulnerable during the pre-hire process, actual employment, and during a reduction in workforce. Claims can arise in any size operation. You can do everything right and still be sued.

Solution

Coverage comes in the form of a standalone policy. This coverage is critical to your risk management strategy as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.

Note: Actual policies must be consulted for specific terms and conditions.

Supply Chain
Risk Factor

As the brewing industry grows, supplies may become increasingly difficult or competitive to acquire. Making sure you have the adequate amount of Chinook hops for your spring seasonal can be the difference between having product to sell or not.

Solution

Diversifying suppliers, maintaining dialogue with back-up suppliers, monitoring the resource environment, and negotiating forward contracts can prevent disruption in production. Insurance coverage for contingent business income can be also obtained.

Note: Actual policies must be consulted for specific terms and conditions.

Spoilage, Contamination, and Product Recall
Risk Factor

If a batch of beer is contaminated or in some way unfit to serve, breweries have much to lose, including the cost of additional materials, production time, disposal of product, and loss of revenue. If the batch makes it to store shelves, it becomes even more costly, both in direct revenue and brand reputation.

Solution

Seek coverage for spoilage, contamination, and product recall to help offset the costs associated with these events.

Note: Actual policies must be consulted for specific terms and conditions.

Equipment Failure
Risk Factor

There is a high risk of equipment breakdown in the brewery business. When machines don’t work, beer can’t be brewed. You lose valuable time and profits while repairs are being made.

Solution

Mechanical breakdown is typically not covered under a commercial property insurance policy. Rather, obtaining systems breakdown coverage addresses this exposure.

Note: Actual policies must be consulted for specific terms and conditions.

Property
Risk Factor

Brewing equipment is a significant financial investment. Couple that with an above-average exposure to loss, and selecting the correct coverage here is critical.

Solution

Commercial property insurance will indemnify you for property damaged or destroyed due to a covered loss. Selecting an adequate limit of insurance that responds to as many perils as possible negates that risk.

Note: Actual policies must be consulted for specific terms and conditions.

Liquor Liability
Risk Factor

If a patron is over-served at your establishment, you may be held responsible and liable for damages or injuries related to the patron’s intoxication.

Solution

Liquor liability insurance covers defense costs and damages to persons and property caused by intoxicated patrons. Training staff to recognize patrons who pose a liquor liability risk is a key risk control measure to consider.

Note: Actual policies must be consulted for specific terms and conditions.

Workers' Compensation
Risk Factor

Workers' compensation coverage is required by law. There is high demand for craft beer, but demand can lead to haste. Haste leads to accidents, accidents lead to injuries, and injuries lead to increased workers' compensation costs.

Solution

Promoting workplace safety and managing exposures can significantly reduce the frequency and severity of workplace injuries. Proactively addressing high risk scenarios helps control workers' compensation costs.

Note: Actual policies must be consulted for specific terms and conditions.

Special Events
Risk Factor

Breweries often participate in numerous events throughout the year. Many insurance policies contain what’s known as a designated premises endorsement. At a high level, this limits coverage to the premise named on the policy (the brewery). Participating in Craft Beer Expo or 5k Fun Run? Liability associated with events like those may not be covered.

Solution

Make sure you have coverage that extends to any events in which you wish to participate.

Note: Actual policies must be consulted for specific terms and conditions.

SOGO Insurance has specialized in brewery coverage for over six years. We’ve partnered with admitted carriers who provide policies such as General Liability, Product Liability, Liquor Liability, Property Coverage, Workers’ Compensation, Commercial Auto, Commercial Umbrella, and more. 

Check out our google reviews to see what our clients say about our service, and call us to find out how your brewery can start saving on insurance.

Let’s discuss your Texas brewery insurance. One of our insurance advisors will reach out to you to review your information and present you with the appropriate brewery insurance solution. There’s no obligation, just good-old-fashioned advice.