Insurance for Craft Brewery Business
Comprehensive Insurance Solutions for Your Craft Brewery in the UK
Running a craft brewery is all about passion and creativity. But no matter how unique your brews are, unexpected challenges can arise. Whether it's equipment damage, accidents, or liability claims, ensuring your craft brewery is protected with the right insurance is essential for your peace of mind and long-term success.
At Miller & Partner, we offer specialised insurance for craft breweries across the UK. Tailored to the unique risks of the brewing industry, our policies ensure that you’re covered for anything that comes your way. Get the protection your brewery needs with affordable, reliable, and comprehensive insurance solutions.
Why You Need Insurance for Your Craft Brewery Business
As a craft brewery owner, you face a variety of risks that could affect your business. Insurance helps safeguard your operations, property, equipment, and staff. Here’s why having the right brewery insurance is crucial:
Property Damage Protection: Your brewery’s property, including equipment, brewing tanks, and ingredients, is valuable. Insurance helps cover repair or replacement costs if an unforeseen incident, like a fire or theft, occurs.
Public Liability Insurance: Hosting tastings, brewery tours, or selling at local events means you’ll interact with the public. Public liability insurance covers you for claims resulting from injury or property damage that could occur on your premises or during events.
Product Liability: If a customer suffers harm from consuming your product, product liability insurance protects you against legal costs and claims, keeping your brewery’s reputation intact.
Business Interruption Insurance: If your brewery has to shut down temporarily due to a covered event (like property damage or equipment failure), this coverage ensures that your revenue continues while your business is restored.
What Does Craft Brewery Insurance Cover?
Property Insurance
Covers damage or loss of your brewery’s physical property, including buildings, brewing equipment, stock, and ingredients due to fire, theft, or natural disasters.
Employer's Liability Insurance
Employer’s liability insurance is a legal requirement for most businesses in the UK if you have employees. It protects your business against claims made by employees who suffer injury or illness as a result of their work. This policy covers the costs of legal fees and any compensation owed to the employee, ensuring your business stays protected if a workplace accident occurs.
Commercial Property Insurance
Commercial property insurance covers damage to your business premises and its contents, including equipment, stock, and office furniture. Whether you own or lease the property, this policy helps protect your physical assets against risks such as fire, flooding, theft, and vandalism. This cover helps your business recover quickly and resume operations after an incident.
Product Liability Insurance
Covers you if a consumer suffers injury or damage due to a defect in your product. This is especially important in your industry as we will see very large claims for products that have caused illness, so it is essential that you have the correct cover in place for this.
Why Choose Us for Your Craft Brewery Insurance?
Tailored Coverage: We understand that no two breweries are alike. That’s why we offer flexible insurance options that can be tailored to the unique needs of your brewery, from small independent breweries to larger operations.
Affordable Rates: Protect your brewery without breaking the bank. We offer competitive premiums with the coverage you need to keep your brewery running smoothly.
Specialised Knowledge: Our team has deep knowledge of the brewing industry, which means we understand the specific risks your business faces. We provide coverage that aligns with your brewery’s unique needs.
Expert Advice: Whether you're a startup brewery or an established business, our experts will guide you through the insurance process, helping you select the right policies for complete protection.
Quick & Easy Claims: In the event of a claim, we’re committed to making the process as smooth and stress-free as possible, so you can focus on getting back to brewing.
How to Get Insurance for Your Craft Brewery
Call Us: Simply give us a call and one of our team will take the necessary information to provide a quote.
Select Your Coverage: Our team will help you choose the best coverage for your specific requirements. Tailor your insurance package for maximum protection.
Get Insured Fast: Once you’ve chosen your coverage, we’ll provide swift and efficient insurance setup so you can get back to brewing with peace of mind.
Protect Your Brewery, Protect Your Passion!!
Running a craft brewery involves a lot of hard work and dedication. With the right insurance in place, you can protect your investment and focus on what matters most—crafting exceptional brews. Let us handle the details while you grow your business with confidence.
Real World Example
I have insured a local brewery for a number of years and have built a strong relationship. This required special product liability insurance and cover for their taphouse. This client has since branched out and added a further two bars to their business, both of which I managed to insure at a great premium and with top tier insurers.
My Expertise in This Field
II have been insuring craft breweries for over a decade. Ensuring I have been placed at the top of the field when it comes to small independent brewers looking for top level cover at premiums that are within budget. I am always looking for better cover and lower premiums at renewal and will always tailor your business to your needs.
Visit Our Blog Post on Breweries:
Brewery Insurance Specialist 2026: Protect Your Craft Brewery
Frequently Asked Questions
Craft breweries typically require public liability, employers’ liability, product liability, and commercial property insurance. Specialist covers such as equipment breakdown, stock cover, and business interruption are also essential due to reliance on brewing equipment and production processes.
Yes, many policies can include cover for contamination, spoilage, or failed batches, provided the cause is insured (such as equipment failure or accidental contamination). This is a key consideration for craft brewers.
Yes, product liability insurance is critical. If a product causes illness or injury, your brewery could face significant claims. This cover protects against legal costs and compensation.
Yes, equipment breakdown cover can include fermenters, kettles, refrigeration systems, and other machinery. This helps cover repair or replacement costs and reduces downtime.
Costs vary depending on production volume, turnover, and risk profile. Small craft breweries may pay £1,000–£3,000 annually, while larger or higher-risk operations can pay significantly more.
Yes, public liability insurance can cover risks associated with taprooms, brewery tours, and events. You should ensure all activities are declared to your insurer for full protection.
Yes, even small or start-up breweries face risks such as product liability, equipment damage, and injury claims. Insurance is essential regardless of production size.
Business interruption insurance can cover lost income and ongoing expenses if your brewery cannot operate due to insured damage or equipment failure, helping maintain financial stability.
John sorted me out for the insurance I needed for my company and provided an excellent service. I can highly recommend Miller & Partner and will be using them again for all my commercial insurance requirements.
I can recommend Miller and Partner. They were prompt, efficient and responsive to my needs.
Very grateful for John’s assistance in finding a suitable policy for our needs, and being helpful and prompt in his advice. Highly recommended!
Office: Vivian House, Roman Bridge Close, Mumbles, Swansea, SA3 5BG
Call 01792 001350
Email: [email protected]
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