Protection for Craft Beverage Operations

Selecting the appropriate insurance is essential for your business. The Cincinnati Insurance Company’s Craft Beverage Program specifically insures craft breweries, wineries and distilleries, including  tasting rooms, brewpubs or restaurants. With professional advice from your independent agent representing Cincinnati, you can craft the finest beverages for your customers while we focus on your insurance needs.

Choose Cincinnati’s Craft Beverage Program
Your program begins with our standard property and liability coverage forms. Plus these important coverages are included and charged for separately:

  • data compromise and identity theft expense coverage – provides for certain expenses after a covered loss to help you respond and protect your good name. It also includes access to services to help you prepare for such events
  • product recall coverage – provides for the cost of recalling your products that have caused or have potential to cause bodily injury or property damage

You can further customize your insurance by purchasing additional coverages needed for your business:

Expand Your Commercial Property Insurance

  • Craft Beverage Commercial Property Endorsement – provides over 35 increased or expanded coverage features, along with one of the following:
    • Brewery Property Endorsement or Distillery Property Endorsement – adds four special coverage features for your craft brewery or distillery, including tank collapse, tank leakage, key-employee replacement expense and processing water extra expense
    • Winery Property Endorsement – provides the same four special features, plus additional coverage for your incidental vines and trellises

Consider Other Options Available

  • Restaurant Property Endorsement – benefits operations that include a restaurant, providing coverage for customer’s property, goods on consignment and key-employee replacement expense
  • Product Contamination or Adulteration Endorsement – provides protection for your beverage product against accidental contamination while being processed
  • Equipment Breakdown Coverage – extends your property policy to cover loss to real and business personal property from the sudden and accidental breakdown of machinery and equipment used in your business
  • Protection Against Loss From Crime – Cincinnati offers a bundle of eight crime coverages that are important to your business, including employee theft, forgery and alteration, theft of money and securities, computer fraud, funds transfer fraud and loss from accepting in good faith money orders and counterfeit money
  • State and Federal Liquor Tax Bonds – helps you meet surety requirements to ensure payment of appropriate taxes to governmental entities when alcoholic beverages are sold

Options to Suit Your Needs
Round out your insurance program with these options:

Cincinnati Advantage
Work confidently, knowing you are protected by a superior insurance program that provides:

  • loss control services at no additional charge
  • access to vendors offering specialized loss control services and training at discounted rates
  • superior claims service from a representative who lives in or near your community
  • multi-year policy terms for many coverages in most states
  • stability from a company with a high financial strength rating from A.M. Best Co.
  • one of the lowest consumer complaint ratios, as documented by the insurance regulatory group, the National Association of Insurance Commissioners, in its Consumer Information Source at www.naic.org
  • a management team specifically dedicated to keeping your insurance program on the leading edge

Contact an Agent
Cincinnati Insurance serves you exclusively through a select group of independent agencies that perform as premier insurance organizations in their local communities. To obtain a quote, report a claim or learn more about the value of Cincinnati's insurance policies and reliable claims service, please find your local agency representing Cincinnati Insurance today. Coverage availability and premium discounts vary by state. Underwriting requirements apply. This is not a policy.

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Resources  
"Beverage industry has special insurance needs" (CIC Blog)