When you open your property to the general public you are responsible for their well-being. This is exceptionally important if you offer tours or a tasting room at your brewing operations. Given the possible hazards that an untrained guest could be exposed to, it is important to keep tours confined to safe areas and preplanned routes through your establishment. Injury to a patron would be addressed by the general liability policy. This is typically the initial insurance policy for any business and for the start-ups this insurance is reasonably priced. As business and revenues increase, so does your risk exposure and logically so does the insurance expense.
In addition to the general liability, workers compensation and basic business property coverages that every business should carry, the following policies help protect against common exposures faced by craft brewers.