Brewery Insurance
Brewery Seasonal Stock Insurance
Stock levels at a brewery can swing a long way over the year. If your sum insured is set at the average, you may be underinsured exactly when it matters most.
Example
How cover can respond in practice
A brewery’s stock doubles in November ahead of Christmas. A fire in early December damages everything in the cool room. The sum insured was set at the lower figure, so the insurer applies average, and the brewery recovers only part of the loss.
What to think about
What to think about
Seasonal increase extensions, where available
Stock held at events or temporary storage
Holiday period closures and security
Raw material stockpiling before price rises
Packaging stock ordered in bulk
Before you call
Questions to think about before you call
- 01
When is your busiest season?
- 02
What is the highest stock value you hold?
- 03
Do you stockpile ingredients or packaging?
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.
If you are underinsured, the insurer may reduce the payout in proportion.
Some policies allow a seasonal increase. Ask us.
For large changes, yes.
Check last year’s records and add expected growth.
Contact us
Want us to review your cover?
Tell us about your brewery or craft venue and we’ll come back with options. Prefer to talk? Call 02 8660 2305 or email admin@idealbrokers.com.au.