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Great craft beverages come from customizing and blending the process until it's just right. We believe your insurance should be built the same way. From tank to tasting room, we tailor coverage to how you actually produce, serve, and sell — and we'll come talk it through with your distillers, distributors, and retailers.
A craft producer is really several businesses at once — a manufacturer, a retailer, a hospitality venue, and sometimes a farm and event space too. Each one carries distinct risk, from a tank collapse on the production floor to a slip in the tasting room. We build a program that follows your product from raw ingredients through the glass in a guest's hand. This page is part of our broader food & beverage program.
Protection when a fermentation or storage tank fails — a uniquely costly craft exposure.
Covers loss when temperature control or refrigeration breaks down, including in transit.
Beverage and food contamination plus product-withdrawal expense.
Values aging and in-process product the way craft producers actually carry it.
For tasting rooms and events — with assault & battery coverage available.
Dependent-property coverage when a key supplier's loss interrupts your production.
Processing errors coverage can be added to your policy — protection that isn’t part of the standard commercial property form. It covers sudden, accidental damage to craft beverage products from unintentional blending, water that dilutes the product, over- or under-addition of chemicals or ingredients, or ingredients used incorrectly for the batch.
Delivery errors & omissions coverage can be added to your policy — protection that isn’t part of standard general liability. It covers financial damages your company could be liable for because of an error in the delivery process.
Coverage is subject to underwriting and is not bound or altered until confirmed by an authorized representative. This page is a general overview, not a contract or a quote — contact a local Top O' Michigan agent for the coverages and limits that apply to your operation.
Typically property and general liability plus production-specific coverages: tank leakage and collapse, spoilage and refrigeration, product contamination, liquor liability for tasting rooms, and proper craft beverage valuation. Coverage is subject to underwriting.
It can be. Tank leakage and collapse coverage addresses the loss of product (and the tank) from a covered event — an exposure unique to production operations.
Yes, if you serve. Liquor liability covers claims from serving guests, which standard general liability often excludes — tasting rooms and events typically need it.
Craft beverage valuation matters — finished and in-process product can be worth far more than raw ingredients. We make sure your policy values inventory appropriately, not just at cost.
They can be. Liability for tours, events, and distribution can be built into your program, tailored to how your operation runs.
From the tank to the tasting room, get coverage built around your craft. Talk with a local Michigan agent today.
