But just like making great spirits takes skill, so does protecting your business. That’s where we at Beyond Insurance come in. We get it—running a distillery comes with its own risks, from equipment breakdowns to liquor liability. Let’s walk through the kinds of insurance coverage you’ll need to keep things running smoothly and your peace of mind intact.
Distilleries face some unique risks that other businesses might not have to worry about. You’ve got expensive equipment, valuable stock, and the ever-present risk of something going wrong, whether that’s a breakdown in your supply chain or an accident with a guest on a tour. If you’re not prepared, one unexpected event can hit your wallet hard.
At Beyond Insurance, we specialize in protecting businesses like yours, and we’ve put together insurance solutions that cover the specific risks that distilleries face. Here’s what you should consider when looking at your insurance options.
First things first, every distillery needs Commercial General Liability (CGL) insurance. It’s the foundation of your coverage. If someone slips and falls in your tasting room, or you accidentally damage a neighboring property, general liability has you covered. It takes care of the legal costs, medical bills, and any damages if someone decides to file a lawsuit. Think of it as your “just in case” coverage for the everyday risks.
If you’re serving up samples or running a full-on tasting room, Liquor Liability Insurance is key. If one of your customers has a few too many and causes damage or gets in an accident, you could be held responsible. Beyond Insurance will make sure you’re covered for these situations, so you’re not left footing the bill for someone else’s bad decision. Plus, we can help you with tips to train your staff and reduce the chances of over-serving.
You know how critical your stills, boilers, and bottling lines are to your operation. If one of those breaks down, it can stop production in its tracks. Equipment Breakdown Insurance helps cover the costs of repairing or replacing that vital gear. Beyond Insurance will make sure you’re protected so you can get back to making your spirits as quickly as possible, without worrying about massive repair costs or losing revenue while your machines are down.
Even the best distilleries can have an off batch. If something goes wrong with your product—whether it’s a contamination issue or a labeling error—you might need to pull it off the shelves. That’s where Product Recall Insurance comes in. It covers the cost of getting your product back, replacing it, and handling the public relations part of it, which can be just as important.
We know how much your brand and reputation mean to you, and Beyond Insurance will work with you to make sure your recall process goes smoothly and doesn’t do lasting damage to your business.
Let’s say a fire, flood, or other disaster shuts you down temporarily. Business Interruption Insurance covers your lost income while you’re out of commission. It helps you pay bills, keep your staff on the payroll, and maintain cash flow until you’re up and running again.
At Beyond Insurance, we’ll make sure you’ve got this safety net in place so a temporary shutdown doesn’t turn into a financial disaster.
Distilleries have a lot of valuable equipment, materials, and inventory on hand. Property Insurance protects all that from risks like fire, theft, or even flooding. Whether it’s your building, machinery, or the stock you’ve been aging for years, property insurance makes sure that if something happens, you’ll be compensated for your losses.
We get that Alberta’s unpredictable weather can sometimes cause problems, so we tailor property insurance to cover risks specific to the region, like extreme cold or flooding.
You spend months, sometimes years, perfecting your spirits. But what happens if something spoils during production or storage? Spoilage and Contamination Insurance can help cover your losses, so you’re not stuck eating the cost of wasted ingredients or product. Alberta’s weather can throw your temperature controls off, so this coverage is especially important to keep your product—and your investment—safe.
You rely on a steady supply of grains, botanicals, or barrels to keep your distillery running. But what if your supplier can’t deliver due to an issue on their end? Supply Chain Insurance helps you cover the extra costs of finding an alternative supplier or compensates you for the downtime.
With Beyond Insurance, you’ll have peace of mind knowing that even if something happens outside your control, your production won’t come to a grinding halt.
At Beyond Insurance, we know the distillery business inside and out. We’ve helped plenty of craft distillers like you stay protected from the unexpected, and we’ll work with you to build a customized insurance package that fits your specific needs. You focus on making great spirits—we’ll focus on making sure your business stays safe, no matter what comes your way.
Ready to talk? Reach out to Beyond Insurance today, and let’s make sure your distillery has the coverage it needs to keep thriving.
