Commercial industry
Winery and Brewery Insurance
A winery or brewery is production first and hospitality second. Barrel and tank inventory, refrigeration, and the crush or brew house are property and equipment-breakdown. The tasting room is liquor and premises. Treating the whole campus as a bar is how production claims get argued under a hospitality form.
We place commercial wineries (including those that sit on farm acreage) and breweries that are real production accounts. We do not claim brewery as a preferred class we invented; we write it because operators in our states ask, and we place it on a manufacturing-plus-hospitality structure. Hobby or homebrew clubs are not this page.
Risks we actually schedule
- Tank, barrel, or cooler failure and the spoilage of a vintage or a brew cycle.
- Tasting-room liquor-law and guest-injury claims.
- Recall or contamination on packaged product.
- Farm or vineyard equipment if you grow, plus L&I for WA tasting-room and cellar staff.
Frequently asked questions
Should a tasting room be on a restaurant policy?
The pour and the food program look like hospitality; the cellar does not. We schedule both so a tasting-room claim and a tank claim do not fight about which form applies.
Do you write taprooms with no production on site?
That is closer to a restaurant / liquor account. Tell us where the beer is made.
Is the vineyard farm insurance?
The acreage and the equipment can sit on a commercial farm structure; the winery building and the liquor still need to be scheduled as production and hospitality. See also our commercial farm coverage page.
Related coverage, industries, and locations
Commercial Property
Buildings, inventory, equipment, and business income when fire, theft, wind, or water shut you down.
Coverage detailsEquipment Breakdown
Boilers, refrigeration, production machinery, diagnostic equipment, and the business income that follows a mechanical failure.
Coverage detailsLiquor Liability
Dram-shop and liquor-law liability for restaurants, hotels, and tasting rooms that serve as part of a hospitality operation.
Coverage detailsGeneral Liability
Third-party injury, property damage, and products/completed-operations protection for shops, offices, and jobsites.
Coverage detailsCommercial Farm
Farms, ranches, wholesale nurseries, and commercial wineries — working operations, not hobby acreage.
Coverage detailsRestaurant and Food Service
Kitchens, dining rooms, delivery, and liquor — packaged for restaurants that actually cook and serve.
Industry pageFood Manufacturing
Commissaries and food plants: spoilage, contamination, products, and the equipment that runs all night.
Industry pageHotel
Guest premises, property, liquor, garagekeepers, and the income story of a limited-service or full-service hotel.
Industry pageOregon
Licensed commercial insurance broker serving Oregon.
State page