Craft Brewery Insurance in Vermont

T.S. Peck Insurance
Craft Brewery Insurance Vermont

What is Craft Brewery Insurance?

Operating a craft brewery comes with a substantial amount of risk, as breweries are exposed to an array of property, liability and other perils. Craft brewery insurance helps breweries in Vermont secure financial protection against many of the risks they face.

Craft brewery insurance tends to be particularly well-suited for small and medium breweries. Most policies are written as package policies that combine a variety of protections that these breweries can benefit from.

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Client Testimonials

“I just wanted to take a moment to let you know how great I think Caroline Collins is. – Every time I call to update my policy(and I have updated it a lot over the years) Caroline has been nothing but amazing to deal with. She takes care of all my needs in real time which is amazing. She is very personable, always respectful, extremely knowledgeable, and just all around awesome to deal with. I truly enjoy dealing with her and think she is a huge asset to your business from where I sit.”

Jason C.

“Friendly and prompt – I have been with T.S Peck for many years and have no complaints with their trusted service. They have always taken a friendly approach to their craft and are always willing to answer all of my questions!”

John S.

“We Contacted T.S Peck Insurance to inquire about auto insurance/ After with with Jake, we explored combining our auto and home insurance, in turn realizing a big savings.”

Lary P.
“When I called for a quote, my agent was personable and helpful. He always got back to me quickly with answers, which is extremely important. The entire process was handled in a timely manner and was able to meet my expectations and beyond.”
Dayne D.
“Jake Hynes and the folks at T.S. Peck have been awesome to work with! As a recent start-up, we were new to the “buying business insurance” scene. One phone call and all our concerns were laid to rest. The service has been great and the prices are very competitive. We recently price shopped again and found we were still in the best hands!”
Scott L.
Craft Brewery Insurance Vermont

What Businesses in Vermont Need Microbrewery Insurance?

Most small and medium breweries in Vermont should have microbrewery insurance. Few breweries have the financial resources to recover from a major disaster or liability lawsuit, and this is normally the most appropriate form of commercial insurance for these breweries.

Some businesses may have insurance needs that are similar to those of microbreweries but actually be better off with a slightly different insurance policy. For instance, large breweries may find that they’re better protected by a policy that’s designed for an operation their size. Alternatively, distilleries, wineries and similar businesses will likely find that they can get an insurance policy made for their particular industry.

What Coverages Are Available Through Microbrewery Insurance Policies?

There are many different coverages that these policies make available, and breweries can often adjust their particular policy so that it offers the specific combination of coverages they want. Some of the coverages that are available are fairly specific to beermaking, while others offer broader protections that businesses in many industries can use.

A few of the more beermaking-specific coverages that a policy may offer include:

  • Tank Collapse Coverage, which might cover water processing costs in the event of a tank collapse
  • Tank Leakage Coverage, which might cover the cost of stock that’s lost in the event of a tank leak
  • Product Contamination or Adulteration Coverage, which might cover some contamination that ruins a batch of beer
  • Product Recall Coverage, which might cover recall expenses in the event stock needs to be recalled

A few of the more general coverages that a policy may come with are:

Still other coverages to consider include key employee replacement cost coverage, restaurant property coverage and equipment breakdown coverage. An insurance agent who specializes in these types of policies can help breweries select the coverages that are most appropriate for them.

Craft Brewery Insurance Vermont

Do Breweries Need Workers Compensation Coverage?

Most breweries have employees and thus, are required by state law to carry workers compensation coverage for their workers. Workers compensation generally protects against work-related injuries and illnesses that employees could suffer.

Workers compensation, however, frequently isn’t included in microbrewery policies. Instead, it’s usually purchased separately as a stand-alone protection.

How Can Breweries in Vermont Get Craft Brewery Insurance?

For help insuring a small or medium brewery in Vermont, contact the independent insurance agents at T.S. Peck Insurance. Our agents have helped many other breweries in the state find policies that meet their needs, and we have the expertise necessary to get you a quote on a good craft brewery insurance policy for your business. Since we have only independent agents, you can trust our team to recommend the best available options regardless of what insurer offers them.


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T.S. Peck Insurance

For questions or concerns, please contact our independent insurance agents.

Office: 41 IDX Drive, Suite 135
South Burlington, VT 05403

Office: 158 Lake St,
St Albans, VT 05478