Beverage Manufacturing Insurance For Breweries And Producers 
What types of insurance does a beverage manufacturing business need?
Protect Your Beverage Manufacturer Business with Tailored Coverage
Beverage manufacturing involves complex processes, quality control, and regulatory compliance, where even small issues can have big consequences. Beverage manufacturing insurance helps protect your business from risks like equipment failure, contamination, and liability claims. Whether you produce soft drinks, juices, or craft beverages, the right coverage ensures your beverage manufacturing operations stay protected and flowing smoothly.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
What Kind Of Beverage Manufacturing Insurance Do I Need?
If you run a beverage manufacturer, having the right insurance is essential to protecting your operations, employees, equipment, and reputation.
Here’s a breakdown of the essential types of beverage manufacturing insurance:
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General Liability Insurance – Covers third-party injuries and property damage.
- Business Owners Policy– General liability and business equipment coverage all in one.
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Workers’ Compensation – Required if you employ walkers, covering medical expenses and lost wages for job-related injuries.
- Product Liability Insurance – Covers claims of injury or damage caused by products your business makes or sells.
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Food Spoilage Insurance – Essential for perishable products, this covers financial losses if your food spoils due to equipment failure, power outages, or other covered incidents
- Commercial Auto Insurance – Required if your business uses vehicles to transport food products, covering liability and damage to the vehicles themselves.
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Business Income Insurance – Replaces lost income if your business has to temporarily close due to a covered event like a fire.
- Umbrella Insurance – Provides additional liability coverage above the limits of your underlying policies, such as general liability and commercial auto.
Do I Really Need Insurance for Beverage Manufacturers?
If you’re searching for the best beverage manufacturing insurance, the answer is simple: the right insurance protects your operation, your reputation, and your future.
Here’s how:
- Protect Your Business Assets – Coverage helps pay for equipment damage, contamination, injuries, and property loss so one incident doesn’t shut you down.
- Comply With Industry Regulations and Contracts – Meet insurance requirements for suppliers, retailers, and regulators so you can operate and grow without delays.
- Safeguard Against Product Liability Claims – If a product causes harm, insurance can help cover recalls, legal costs, and settlements to protect your bottom line.
- Build Trust With Clients and Partners – Having coverage shows you’re reliable and prepared, giving customers confidence to do business with you.
How Much Is Beverage Manufacturer Insurance?
Beverage manufacturer insurance costs can vary, but generally, Gild Insurance customers’ policy coverages start at $500 annually.
Here are a few factors that influence insurance for a beverage manufacturer:
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Location
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Size of your operation
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Revenue
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Employee count
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Inventory value
- Claims History
The best way to find your beverage manufacturing insurance cost is to get a free, online quote in minutes!
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get the Best Beverage Manufacturing Insurance Today!
Beverage manufacturing insurance is about more than just coverage. It’s about protecting your livelihood and everything you’ve built. With Gild, you get more than a policy. You get a partner who understands the manufacturing industry and provides the protection, tools, and support you need to stay secure and keep growing.
Frequently Asked Questions
Beverage manufacturers handle high-volume production, strict regulations, and potential contamination risks. Core coverages include:
- Commercial Property Insurance – Protects facilities, brewing or bottling equipment, and raw materials against fire, theft, or natural disasters.
- General & Product Liability Insurance – Covers claims if a beverage causes harm or contamination, protecting against lawsuits and recalls.
- Product Recall Insurance – Critical in beverage manufacturing, covering costs to recall unsafe or mislabeled products.
- Equipment Breakdown Coverage – Pays for repairs or replacements if machinery fails.
- Workers’ Compensation – Required in most states if you employ staff; covers job-related injuries.
- Business Owner’s Policy (BOP) – Bundles liability and property insurance with income protection during disruptions.
How much does beverage manufacturing insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
Is insurance required for beverage manufacturers to comply with regulations or secure distributors?
Yes. While general liability is not always mandated by law, many requirements come from contracts and regulations:
- Product liability and recall insurance are often required by distributors and retailers before placing products on shelves.
- Workers’ compensation is legally required in most states if you employ staff.
- Food safety regulations may not mandate insurance directly, but carrying coverage helps meet compliance expectations and protects against FDA or USDA recall costs.
- Many landlords and lenders also require proof of coverage before leasing or financing facilities.
Does beverage insurance cover risks like contamination, equipment breakdown, or product recall?
Yes, with the right policies in place:
- Product Recall Insurance covers costs for recalling unsafe or contaminated beverages, including notification, shipping, disposal, and crisis PR.
- Equipment Breakdown Coverage protects against production interruptions caused by machine failure.
- Commercial Property Insurance covers raw materials and finished goods if damaged by fire, theft, or storms.
- Workers’ Compensation covers employee injuries tied to production, bottling, or chemical handling.
Food and beverage recalls can cost manufacturers millions, making recall insurance and liability coverage essential.
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