Brewed for success. Insured with care.
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Running a brewery is no small feat, and it comes with a set of unique challenges. As a brewery owner or manager, you’re well aware of the dedication, enthusiasm and capital that goes into brewing top-tier beer. But, is your business sufficiently shielded against the brewing industry’s most common risks?
Regardless of whether you’re operating a family-run micro brewery or a large-scale commercial production, your insurance needs are one-of-a-kind. That’s why it’s crucial to partner with an insurance broker who possesses an in-depth knowledge of brewery insurance and can provide customized insurance solutions that align with your business’s needs and priorities.
Higginbotham is dedicated to helping you protect your brewery through business insurance and risk management solutions.
Because you deserve an insurance broker who works for you.
Employee-owned and customer-inspired, we make caring for your business our business.
We start with listening and end with insurance solutions that are specifically designed for you and your business. By getting to know you, your business, your risks and your priorities, we’re able to deliver commercial insurance coverage and risk management solutions that add value to your brewery. But we don’t stop there.
Our team is there for you year-round, helping you make the most of your insurance policy and walking with you through the claims process should the need arise. And, with a team of risk management, human resources, financial services and insurance specialists at your fingertips, we’re a single source solution that’s inspired by your needs.
More individual, less institutional. That’s the Higginbotham difference.
As a proprietor of a brewery, being aware of the key insurance coverages that can shield your business from possible risks and liabilities is imperative. Higginbotham helps you understand your risks and secure insurance coverage that meets your needs. Our team offers a range of specialized brewery insurance services, including:
General liability coverage is the foundation of any brewery insurance plan, offering protection against third-party claims of bodily injury or property damage. Whether a customer trips on a brewery tour or a delivery error causes property damage, general liability insurance can help protect your business from the financial burden of such incidents.
Liquor liability coverage is particularly important for craft breweries, as it protects your business from alcohol-related incidents and claims. Liquor liability can safeguard you from risks, such as over-serving customers, alcohol-induced accidents or intoxicated customers causing property damage or injury. It can also help protect your brewery from potentially disastrous financial or legal consequences in the case of a lawsuit related to an alcohol-related incident.
Equipment breakdown insurance helps cover the repair or replacement costs for essential brewery equipment, such as brewing systems, fermenters and packaging equipment. Your brewery relies on this equipment to operate smoothly, and, in the case of an unexpected breakdown, equipment breakdown coverage can help your brewery continue running smoothly.
Product contamination or pollution insurance helps cover expenses related to contamination occurrences, such as clean-up costs, legal fees and lost profits. This coverage is especially important for breweries, where contamination incidents can have severe consequences for both your brand’s reputation and your bottom line.
Product recall insurance provides coverage for costs associated with removing contaminated or defective products from the market, helping your craft brewery manage the financial impact of a recalled product.
Workers’ compensation coverage is essential for protecting your employees from work-related injuries and illnesses. In the event of an injury or illness, workers’ compensation can cover medical costs, lost wages and rehabilitation expenses, while also safeguarding your brewery from potential legal action.
Commercial umbrella insurance provides an extra layer of liability protection beyond the limits of standard policies, such as general liability or liquor liability. In the event of a significant claim or lawsuit or another unforeseen event, having commercial umbrella insurance can help protect your brewery from major financial losses.
For craft breweries that transport or ship products, commercial auto insurance and inland marine coverage can be two crucial transit coverage options. If your brewery owns or operates vehicles for business purposes, commercial auto insurance offers protection against liability and property damage claims for accidents involving your brewery vehicles. Inland marine insurance offers protection for materials, products and equipment that are movable or instrumental in transportation, helping keep your brews safe while in transit.
Commercial property insurance covers your brewery’s physical assets, such as buildings and brewing equipment, from potential risks like fire, theft and vandalism. In the event of damage or loss, it can help cover the costs of repairing or replacing your property, boosting your brewery’s ability to quickly bounce back and resume operations.
Don’t wait for an unexpected event to jeopardize the future of your brewery. Secure comprehensive insurance coverage that’s as strong as your brews with Higginbotham’s brewery insurance solutions.
With Higginbotham on your side, you can focus on crafting exceptional beers with the knowledge that your brewery is protected.
Pour on the protection.
Craft breweries face a unique set of exposures compared to other industries. Common risks include:
With the safety of your customers, employees and business at stake, implementing effective risk management strategies is essential to maintaining a successful and secure craft brewery operation.
That’s where Higginbotham comes in.
Our team of risk management and loss control specialists work in tandem with our commercial insurance team, offering year-round value and support for your brewery. From compliance assistance to contract reviews to insurance certificate validation, Higginbotham helps your brewery mitigate risks, avoid costly claims and better position your operations so you can focus on the continued success of your business.
Patrick O’Daniel has over 30 years of experience in commercial property and casualty insurance and risk management. In that time, he’s worked with clients from an array of industries, including manufacturing, brewing, architecture and engineering, construction and public entities. Patrick has also developed a reputation as a risk management and insurance leader in the distilled spirits industry.
Patrick combines industry experience and specialized knowledge with an emphasis on superior customer service and strong client relationships. His areas of specialty include liability coverage, large property placements, workers’ compensation, liquor liability insurance, risk management, contract review, loss control and alternative loss funding, including captives, large deductibles and self-insurance.
Patrick earned a Bachelor’s degree in economics from the University of Louisville and currently holds a Certified Insurance Counselor (CIC) designation.
Running a craft brewery can be a complex endeavor, so you need an insurance broker who understands your industry. Higginbotham’s team learns the needs and priorities of your business, then harnesses the power of strong carrier relationships and industry know-how to find insurance coverage that best suits your brewery’s needs.
Experience the Higginbotham difference and let our specialists help you protect your brewery.