Brewery Insurance
Brewery Workers’ Compensation
Brewing is physical work. Staff lift grain sacks and kegs, handle caustic cleaning chemicals, work around hot liquids and sometimes climb into tanks. Workers’ compensation is compulsory for most employers in NSW, and breweries are not a low-risk category.
Example
How cover can respond in practice
A brewer strains their back lifting a keg and is off work for six weeks. Workers’ compensation pays for treatment and wages during recovery, and the policy deals with the claim, subject to the scheme rules.
What it covers
What workers’ compensation covers
Wages while a worker is off
Return to work support
Legal liability for work injury claims
Before you call
Questions to think about before you call
- 01
How many staff do you employ, including casuals?
- 02
What is your total annual wages figure?
- 03
Who works in production and who works in the taproom?
- 04
Do you use labour hire or contractors?
Brewery insurance
More brewery cover guides
Brewery insurance overview
Why use a broker
Stock and production
Business interruption
Liability for breweries
Brewery case study
Product recall
Taproom insurance
Contract brewing
Keg insurance
Machinery breakdown
Stock spoilage and refrigeration
Fire and hot works
Start-up brewery
Events and festivals
Goods in transit
Workers’ compensation
Cyber insurance
Lease requirements
Brewpub insurance
Canning and bottling lines
Tours and tastings
Brewery insurance cost
Management liability
Theft and break-in
Storm and flood
Employee theft
Pollution and spills
Hop and grain storage
Solar panels
Signage
Merchandise and online shop
Beer festival organiser
Multi-site brewery
Selling a brewery checklist
How to make a claim
Distillery insurance
Winery insurance
Cidery insurance
FAQs
Yes. Bar and floor staff count as employees.
They are generally included, and their wages need to be declared.
It depends on whether they are genuinely independent. We can help you check.
You may face a premium adjustment at audit, so accuracy matters.
Contact us
Want us to review your cover?
Send us your policy or tell us about your business and we’ll go through it with you.
Ideal Insurance Brokers · Phone 02 8660 2305 · Email admin@idealbrokers.com.au