Cool room failure
A compressor fails over a weekend and a large amount of beer is lost. Stock cover with refrigeration failure can respond. Business interruption may help if the taproom has to close.
Brewery Insurance
Brewery Insurance Claim Examples
These are examples only. What’s covered depends on the policy wording, limits and exclusions.
What trips owners up
What trips owners up
- Sums insured that are too low
- Missing extensions, like refrigeration failure or recall
- Activities not declared, such as events or deliveries
- No records to prove the loss
Claim examples
How different covers respond
Customer injury
A patron slips near the bar and breaks a wrist. Public liability can respond to the legal costs and compensation.
Forklift hits a tank
A fermenter is damaged and the beer inside is lost. Accidental damage and stock cover may respond.
Fire in the packaging store
Cardboard and cans ignite and damage nearby equipment. Fire cover, stock cover and business interruption may all apply.
Break-in
Thieves take kegs, tools and cash, and damage a door. Theft and glass cover may respond, subject to security conditions.
Courier loses a pallet
A carton shipment goes missing. Goods in transit cover can help, depending on the carrier’s liability.
Mislabelled run
A label shows the wrong alcohol content and a batch is recalled. Recall cover may help, but only if labelling errors are included.
Brewery insurance
More brewery cover guides
FAQs
General advice only. It does not take into account your objectives, financial situation or needs. Read the relevant PDS and our Financial Services Guide before deciding.
It depends on your policy and the cause. We review before you buy so there are fewer surprises.
Make it safe, take photos and call us.
Yes. We help put it together and deal with the insurer.
Contact us
Not sure how your policy would respond?
Send it to us and we’ll walk through some scenarios.