Craft Breweries and Craft Distilleries in Colorado have been blowing up everywhere!  As a native to Colorado and a beer enthusiast, I am excited to offer insurance coverage. Insurance for Craft Breweries and Craft Distilleries would consist of coverage for the following. Key Benefits General Liability

• Comprehensive General Liability – limits to $1M per occurrence/$2M aggregate
• Product Withdrawal Expense coverage available
• Blanket Additional Insured
• Special Events Liability
• Liquor Liability – Limits to $1M per occurrence/$2M aggregate
• Employee Benefits Liability coverage available

Property

• Blanket limits with large in-house capacity
• Special Cause of Loss coverage on building contents, business income, and extra expense
• Building definition to automatically include production equipment as covered property
• Boiler & Machinery
• Contamination & Adulteration coverage available
• Valuation on Market Value
• Peak Season coverage available
• Sign coverage included (attached or unattached)

Automobile

• Owned/non-owned/hired auto
• Hired physical damage
• Rental reimbursement for private passenger vehicles

Crime and Fidelity

• Employee Dishonesty
• Money and Securities
• Money Orders and Counterfeit Paper Currency

Although equipment breakdown insurance is one of the best coverage, service and price values in the industry, some business owners and operators continue to skimp on or do without this vital protection. We cover breakdowns to a wide array of mechanical and electrical equipment. If it plugs in, it’s probably covered. Read our loss examples to learn more about the scale and variety of equipment breakdown losses which impact craft brewery and craft distillery operations every day.

An employee at a local craft brewery accidently over-pressurized a 2,000 gallon steel vat causing the tank to rupture. The brewer typically adds carbon dioxide to pressurize the stainless steel vats to approximately 5 psi. The tank experienced a breakdown after being pressurized to nearly 35 psi. Beyond the parts and labor expenses to repair the tank, claim payment also included the travel expenses of the manufacturer performing the repairs.Loss:  

• Property Damage - $13,870

A spent barley storage tank experienced a breakdown due to pressure buildup from overfilling. When the storage tank was emptied each week, employees did not confirm the tank was completely empty upon completion. Eventually, the tank level increased and overfilled to the point the atmospheric vent became clogged. Pressure then built up and the top head of the tank ruptured in several places.Loss:  

• Property Damage - $7,870

A power surge at a microbrewery caused an electrical breakdown of their custom-made glycol chiller system. Because the compressor needed replacement, and not the entire system, the brewer avoided a business income loss. However, the policyholder experienced resulting spoilage damage (foam loss) to their stored beer product due to the loss of cooling service.Loss:  

• Property Damage - $9,365
• Spoilage Damage - $7,200

Several holes in two steel drums of a water tube boiler caused the breakdown of the entire system. The small brewer’s boiler equipment was used to provide steam for their production process, and lost production could not be made up with overtime (24/7/365 operation). Because little maintenance was performed on this equipment, Risk Control offered preventative maintenance guidance to help minimize future risk of loss.Loss:  

• Property Damage - $14,299
• Extra Expense - $41,519