Liquor Liability | Property | Equipment Breakdown | Business Interruption
Owning a brewery, taproom, or meadery is as rewarding as it is risky. Between brewing equipment, tasting rooms, and alcohol service, your operation faces a unique set of exposures — and one loss could halt production or service for weeks.
At Catanzaro Insurance, we help breweries, taprooms, meaderies, and cideries across Ohio, Indiana, and Illinois protect their business. Whether you’re a small craft producer or a growing regional brand, we make it simple to secure coverage that meets licensing, landlord, and distribution requirements.
✅ What Coverage Does a Brewery or Meadery Need?
General Liability
Covers customer injuries, property damage, and foodborne illness claims. From tasting room slips to tour-related injuries, this protection keeps your business covered.
Liquor Liability
Essential for any operation serving or selling alcohol. This covers you if a customer causes harm or property damage after being served beer, cider, or mead at your location.
Property Insurance
Protects your building, brewing and fermenting equipment, tanks, kegs, and bar fixtures against fire, theft, or vandalism.
Equipment Breakdown
Covers repair or replacement of vital systems — such as chillers, kettles, fermenters, or compressors — if they fail unexpectedly.
Business Interruption
Replaces lost income if you’re forced to close temporarily due to a covered loss such as a fire, explosion, or equipment malfunction.
Workers’ Compensation
Covers medical expenses and lost wages for employees injured on the job — from burns and chemical exposure to lifting injuries or slips.
Optional Coverages
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Product Liability: Covers contamination or spoilage of your beverages.
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Commercial Auto: Protects delivery and distribution vehicles.
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Umbrella Liability: Adds higher protection limits beyond your main policies.
🍻 Who Needs Brewery, Taproom & Meadery Insurance?
We insure a variety of craft beverage businesses, including:
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Craft breweries and microbreweries
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Taprooms and brewpubs
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Cideries and meaderies
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Beer gardens and tasting rooms
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Brewpub restaurants with food service
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Craft beverage producers with limited distribution
If your business brews, serves, or distributes alcohol, you need coverage designed specifically for your operation — not a generic restaurant policy.
💼 Why Choose Catanzaro Insurance
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Licensed in Ohio, Indiana, Illinois, Wisconsin, Iowa, Arizona, and Texas
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Experienced with small-batch producers, taprooms, and tasting facilities
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Fast COIs for leases, liquor licensing, and distribution partners
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Real, human support — no call centers
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Custom-built insurance packages for breweries, meaderies, and cideries
We understand the unique risks of beverage manufacturing and hospitality — and help you stay protected without overpaying.
🔥 Real-World Scenarios
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A guest slips during a brewery tour — General Liability covers medical costs.
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A chiller fails and ruins a batch — Equipment Breakdown reimburses the loss.
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A customer causes an accident after a tasting — Liquor Liability responds.
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A fire damages brewing tanks — Property Coverage helps you rebuild.
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Contaminated honey spoils a batch of mead — Product Liability covers the loss.
❓ Brewery, Taproom & Meadery Insurance FAQs
Q: Do I need liquor liability if I only offer tastings?
A: Yes. Even small pours create exposure if a guest causes harm after drinking on-site.
Q: How much does brewery or meadery insurance cost in Ohio?
A: Most businesses pay $4,000–$10,000 per year, depending on size, equipment, and alcohol sales.
Q: Can I cover both my brewing space and tasting room?
A: Absolutely — we can bundle both locations under one program.
📞 Get a Free Brewery, Taproom & Meadery Insurance Quote
Protect your business, your staff, and your production with coverage designed specifically for breweries, taprooms, and meaderies.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
Or complete the short form below to request a quote.
We’ll review your setup, identify coverage gaps, and provide competitive options built for brewery owners in Ohio, Indiana, and Illinois.
🔗 Learn More
Learn more about insurance for food and beverage businesses here.