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. Cincinnati Data Defender is also added to
your policy, for a premium charge, providing an important coverage needed by
any business to help protect its good name.
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
- Product Recall Expense Coverage – provides for the cost of recalling
your products that have caused or have potential to cause bodily injury or
property damage
- 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.
- more than 90% of our policyholders are highly satisfied with the overall claims process, based on almost 27,000 standard lines auto and property policyholders responding via electronic claim satisfaction survey between January 1, 2020, and December 31, 2022, with an 8, 9 or 10 on a 10-point scale
- a management team specifically dedicated to keeping your insurance program
on the leading edge
