Brewery and distillery insurance

Microbrewery, Distillery and Brew Pub Insurance

Commercial insurance advice for UK microbreweries, distilleries and brew pubs, including production, stock, premises and visitor exposures.

Request a quote 0330 133 4386

Start with the exposure

Understand the exposure before comparing terms.

Small drinks producers can combine manufacturing, hospitality, retail and visitor activities at one site. We map each part of the operation, from production equipment and stock through to deliveries and customer areas, before approaching insurers.

OAK VIEW

A clear account of production and visitor activities helps insurers understand the whole operation rather than only the premises.

Cover to consider

Built from the risk outwards.

Availability and scope depend on insurer acceptance and the terms offered for your business.

Buildings, plant and stock

Premises, brewing and distilling equipment, ingredients, packaging and finished stock need suitable declared values and wording.

Liability and visitors

Public, products and employers' liability can be considered for production, sales, tours and hospitality activities.

Business interruption

A machinery failure or insured property loss can affect production cycles, customer orders and seasonal income.

Practical buying guidance

Production and hospitality need to be described together

A brew pub can combine brewing, alcohol storage, food service, public events and delivery. A policy described simply as pub insurance or manufacturing insurance may not capture all those activities. Describe the production process, sales channels and customer-facing operations separately.

Raw ingredients, work in progress and finished stock can have different values and replacement times. Explain seasonal peaks, specialist equipment and the time needed to restart production after damage. A replacement vessel arriving does not necessarily mean the business can resume trading immediately.

Product contamination, spoilage, recall expenses and equipment breakdown are distinct questions. Some covers may require separate sections or policies; none should be assumed from the presence of a standard products-liability section.

Compare the wording, not just the premium

Check fire and explosion conditions, stock valuation, goods in transit, breakdown and the interruption indemnity period. Ask specifically what contamination or recall costs, if any, are insured.

Common questions

Useful answers before you approach the market.

Can production and hospitality be insured together?+

They can sometimes be placed together, but both activities, site layout and turnover split must be explained to insurers.

What information should we prepare?+

Useful details include production volumes, alcohol types, equipment values, fire precautions, storage arrangements and any tours or on-site sales.

Are product recalls automatically covered?+

No. Product recall is a specialist exposure and any available cover, limits and exclusions need to be checked in the policy wording.

Speak directly to Oak

Talk to Oak about microbrewery, distillery and brew pub insurance.

Tell us what you do, what needs protecting and when the policy renews. We'll take it from there.

Start an enquiry 0330 133 4386