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Brewing craft, expensive equipment, high responsibilities
Brewing beer is an art… but also a responsibility. A microbrewery has to deal with production machines, flammable materials, on-site tastings, and safety issues. Specialized insurance is therefore essential to secure your operations. Brokers offer you free quotes or an express comparator.
Why is insurance suitable for a microbrewery crucial?
- Presence of tanks, flammable liquids and complex electrical systems
- Risk of contamination or product recall
- Reception of the public in the tasting room (falls, incidents)
- Costly machinery breakdowns impacting production
- Shipping of products and liability in the event of damage to the end customer
Recommended guarantees for a microbrewery
| Guarantee | Description |
|---|---|
| Civil liability | Covers incidents involving customers, partners or visitors. |
| Equipment breakdown | Protects vessels, cooling systems and brewing instruments. |
| Product Recall | Covers costs in the event of a withdrawal from the market due to contamination. |
| Business interruption | Compensates for financial losses in the event of a temporary production stoppage. |
| Stock & Inventory Coverage | Insure raw materials, finished products and drums in warehouse. |
Why use an insurance comparison tool for a microbrewery?
The insurance comparison tool allows you to view in a few clicks the options best suited to your business model, according to your production volume, your facilities, or your distribution. You save time and get personalized and competitive coverage without paying for unnecessary coverage.
IN BRIEF
Insurance for microbreweries
Quebec microbreweries (RACJ + MAPAQ) must provide: brewing equipment (tanks, fermenters, bottling machine), inventory (raw materials + finished beer), tasting room (RC alcohol) and distribution.
Particularity: the alcohol liability (host liquor liability) is mandatory for microbreweries operating a tasting room. Covers damage caused by an intoxicated customer after consumption on site.
Insurers offering coverage for microbreweries
| Insurer | Evaluation | Strengths |
|---|---|---|
| Intact Insurance | ⭐⭐⭐⭐☆ | Excellent protection of industrial equipment and buildings. |
| Aviva insurance | ⭐⭐⭐⭐☆ | Covers the liability related to on-site tastings. |
| The Unique | ⭐⭐⭐⭐☆ | Products adapted to agri-food companies and industrial risks. |
| Beneva | ⭐⭐⭐☆☆ | Good value for money for brewing SMEs. |
| Promutuel | ⭐⭐⭐☆☆ | Personalized approach for local producers and artisans. |
Get a free quote for your microbrewery
Insure your recipes, your customers and your equipment! Fill out a free online quote or use our comparison tool designed for craft beer producers. It’s simple, fast and free of charge.
Does my insurance cover a contaminated beer recall?
Yes, if you have the “product recall” guarantee, it covers the costs related to this type of incident.
Que couvre l’assurance si un client tombe en dégustant une bière?
Civil liability covers bodily injury caused to third parties in your establishment.
Can I insure the stock of beer stored in another building?
Yes, with an extension of inventory coverage, including secondary storage locations.
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Protect your business at the best price
Our AMF-certified brokers compare several insurers to find you the best business coverage.