This provides coverage for property damage or bodily injury if a patron is injured in your brewery or a perimeter area such as the parking lot.
Frequently, Brewery insurance policies exclude coverage for situations where the party involved is injured due to intoxication after being served in your establishment.
For that coverage, you will need Liquor Liability Insurance.
People tend to consume alcohol while in breweries. Unfortunately, this puts you at risk for liability claims.
Texas' Dram Shop act is contained in the Alcoholic Beverage Code, and holds establishments liable for selling alcohol to obviously intoxicated persons. The person suing the brewery must prove that they were obviously intoxicated to the extent they were danger to themselves or others when they were sold alcohol.
Liquor liability insurance provides coverage for any property damage or bodily injuries caused by patrons who have become intoxicated in your brewery.
Often, liquor liability insurance policies exclude coverage for injuries sustained in fights.
For this coverage, you will need Assault & Battery Liability Insurance.
This provides coverage for all property kept inside your brewery.
This includes everything from furnishings to equipment used in the brewing process. It may be necessary to purchase additional riders for specialty items such as outdoor signs, large glass windows, lighting and sound systems.
This is necessary if you own the building in which your brewery operates.
It will provide coverage for damages to the structure of the building due to severe weather events, fire, falling objects, and vandalism.
This insurance provides liability and property coverage for any commercial autos used in daily business.
This insurance covers lost wages and medical treatment resulting from an employee's work-related injury or illness.
It also covers services needed to help an employee recover and return to work.