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Craft Brewery

Our clients pursue excellence in their craft, creating unique and flavorful brews. We share their passion in our service to their industry. We provide craft brewery insurance covering all the unique risks brewers face. We provide many value-added tools and services to help our clients to operate safely, efficiently, and profitably. In addition, we are an independent insurance agency, so you know we will always place your interests first.

Business Operations

Don’t let your craft brewery insurance policy limit your operations or restrict your passions. Our program can accommodate a broad variety of operations

  • All sizes

  • Microbreweries

  • Regional Craft Breweries

  • National Chains and Franchises

  • Craft Distilleries

  • Craft Hard Ciders

  • All associated risks: Tasting Rooms, Restaurants, and Lounges

  • New Ventures considered

We offer

Our craft brewery insurance products:

  • General Liability

  • Products Liability

  • Liquor Liability

  • Product Withdrawal Expense

  • Property: Building, Contents, Stock, Inventory, etc.

  • Equipment and Equipment Breakdown

  • Business Income and Extra Expense

  • Workers Compensation

  • Business Auto

  • Employee Benefits: Group Health, Dental, Vision, Disability, etc.

  • Buildings

  • Beer Stock

  • Beer Contamination

  • Leakage of Beer

  • Tanks & Barrels

  • Production Equipment

  • Specialized Beer Loss Valuation

  • Beer in Transit

  • Equipment Breakdown Coverage

  • Product Withdrawal Expense

  • General Liability

  • Pollution Liability

  • Liquor Liability

  • Cyber Risk

  • Commercial Auto

  • Excess Liability

  • Employment Practices Liability

  • Eligible Risks

  • We have the ability to accommodate a diverse range of exposures for all sized brewery operations including:

  • Beer Production

  • Beer Production for Others

  • Beer Storage

  • Barrel Aging Programs

  • Taprooms

  • Restaurants

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Key Features
What makes our craft brewery insurance different?

  • Coverages specific to the brewing industry: equipment breakdown, material contamination, adulteration, processing water, selling price valuation on stock, brewmaster replacement protection, and many more. Our packages are flexible and crafted to suit the tastes of our clients.

  • Expertise: The HL Group specializes in craft brewery insurance. Through the years, we have helped our clients navigate a variety of claims. Use our experience to your advantage. We know where risks lie. Let us provide a risk analysis to help your business identify areas of risk exposure, and formulate a plan to minimize them.

  • Buying Power: We are contracted with the major craft brewery insurance carriers and know their strengths. We will listen to you, endeavor to understand all your operations, match your business to the best-suited carriers, and you with present tailored quotes.

  • Dedicated Account Management: Our organization is unique. We do not operate a call center. We staff dedicated account managers and each client is provided a phone number that rings right their desk, along with their direct email. Your service is their first priority.

  • Claims Unit: We are your claims advocate with the insurance companies. Bankers employs dedicated claims agents. Should a claim occur, we guide you through the entire process, ensuring a fair and accurate resolution.

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Enhance Your BUSINESS Protection With Think Twice

With insurance in place, the second half of the equation must involve proactive front of house policies that prove due diligence related to your alcohol service.

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The increasing number of successful lawsuits against bar operators suggest much more than state minimums are needed, implement a loss prevention program of substance, The HL Group + Think Twice.

Consistent documentation after an incident can be a cornerstone in the defense of your business. The Think Twice Incident Log Book makes it easy for service teams to complete this task and get back to taking care of customers.

Breathalyzers are used by law enforcement to arrest people, so it makes sense for the public to understand and use this technology as a prevention tool. A Think Twice single-use breathalyzer that does not read above 0.08% BAC, making it perfect for the hospitality industry.

Practical tools to reduce liquor liability for alcohol serving establishments. Learn more about DUI prevention from Think Twice.

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