Protection for Craft Beverage Operations

Selecting the appropriate insurance is essential for your business. The Cincinnati Insurance Company’s Craft Beverage Program specifically insures craft breweries, wineries and distilleries, including  tasting rooms, brewpubs or restaurants. With professional advice from your independent agent representing Cincinnati, you can craft the finest beverages for your customers while we focus on your insurance needs.

Choose Cincinnati’s Craft Beverage Program

Your program begins with our standard property and liability coverage forms. Cincinnati Data Defender is also added to your policy, for a premium charge, providing an important coverage needed by any business to help protect its good name.

You can further customize your insurance by purchasing additional coverages needed for your business.

Expand Your Commercial Property Insurance

Craft Beverage Commercial Property Endorsement – provides over 35 increased or expanded coverage features, along with one of the following:

• Brewery Property Endorsement or Distillery Property Endorsement – adds four special coverage features for your craft brewery or distillery, including tank collapse, tank leakage, key-employee replacement expense and processing water extra expense
• Winery Property Endorsement – provides the same four special features, plus additional coverage for your incidental vines and trellises

Consider Other Options Available

• Restaurant Property Endorsement – benefits operations that include a restaurant, providing coverage for customer's property, goods on consignment and key-employee replacement expense
• Product Contamination or Adulteration Endorsement – provides protection for your beverage product against accidental contamination while being processed
• Product Recall Expense Coverage – provides for the cost of recalling your products that have caused or have potential to cause bodily injury or property damage
• Equipment Breakdown Coverage – extends your property policy to cover loss to real and business personal property from the sudden and accidental breakdown of machinery and equipment used in your business
• Protection Against Loss From Crime – Cincinnati offers a bundle of eight crime coverages that are important to your business, including employee theft, forgery and alteration, theft of money and securities, computer fraud, funds transfer fraud and loss from accepting in good faith money orders and counterfeit money
• State and Federal Liquor Tax Bonds – helps you meet surety requirements to ensure payment of appropriate taxes to governmental entities when alcoholic beverages are sold

Options to Suit Your Needs

Round out your insurance program with these options:

• liquor liability
• transportation and temperature change coverage
• umbrella liability
• crisis event expense coverage
• business auto coverage

Cincinnati Advantage

Work confidently, knowing you are protected by a superior insurance program that provides:

• loss control services at no additional charge
• access to vendors offering specialized loss control services and training at discounted rates
• superior claims service from a representative who lives in or near your community
• multi-year policy terms for many coverages in most states
• stability from a company with a high financial strength rating from A.M. Best Co.
• more than 90% of our policyholders are highly satisfied with the overall claims process, based on almost 27,000 standard lines auto and property policyholders responding via electronic claim satisfaction survey between January 1, 2020, and December 31, 2022, with an 8, 9 or 10 on a 10-point scale
• a management team specifically dedicated to keeping your insurance program on the leading edge