Brewery Insurance

Key Person Insurance for Breweries

Many breweries depend on one or two people: the head brewer who knows the recipes, or the owner who holds the relationships and licences. If that person is unwell or unable to work, the business feels it quickly.

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Example

How cover can respond in practice

The head brewer and co-owner is seriously injured and cannot work for several months. Key person cover, if arranged, can help the business with lost income and costs of temporary replacement, subject to policy terms.

What it can help with

What it can help with

  • Income lost while a key person is away

  • Costs of finding temporary cover

  • Loan repayments and fixed costs

  • Business continuity if an owner can’t work

Before you call

Questions to think about before you call

  1. 01

    Who is critical to the business?

  2. 02

    Who would step in?

  3. 03

    Do you have a succession plan?

Brewery insurance

More brewery cover guides

FAQs

Not exactly. Key person cover is taken out by the business, and personal income protection by an individual.

People whose absence would hurt trade, such as owners and senior brewers.

Yes. Insurers assess medical history and occupation.

Many partners also arrange buy-sell protection. Speak with a financial adviser.

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.

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