Vineyards, Breweries & Distilleries

Protecting the craft, the property, and the experience.

Republic Insurance Group provides specialized insurance and risk management solutions for wineries, vineyards, breweries, and distilleries—designed for operations where agriculture, manufacturing, hospitality, and brand reputation intersect.

Coverage structured for production and hospitality risk
Experience with tasting rooms, tours, and events
Claims advocacy when losses affect inventory and revenue

Craft beverage operations of every scale

We work with estate producers, independent operators, and growing regional brands, including:

Estate wineries and vineyards
Contract and custom crush wineries
Craft breweries and brewpubs
Distilleries and spirits producers
Tasting rooms and taprooms
Beverage producers with on-site retail
Farm-to-glass operations
Portfolio owners with multiple locations

When you grow it, make it, serve it, and sell it—insurance must be designed around the entire operation, not a single exposure.

Core Coverage Solutions

Commercial Property

Production buildings, barns, and storage facilities
Tanks, stills, barrels, and processing equipment
Inventory, stock, and aging product
Replacement cost and business income considerations

General Liability

Premises and operations liability
Visitor and tour exposure
Contractual liability with vendors and distributors

Liquor Liability

Alcohol service in tasting rooms and taprooms
Event and private function exposure
Defense for alcohol-related claims

Product Liability & Contamination

Claims arising from consumption
Spoilage, contamination, or labeling issues
Recall and disposal considerations (when applicable)

Equipment Breakdown

Boilers, chillers, compressors, and control systems
Mechanical or electrical failure protection

Crop & Vineyard Coverage (When Applicable)

Vineyards, trellises, and agricultural equipment
Weather-related exposure
Farm operations integrated with production

Workers’ Compensation

Production staff and hospitality employees
Proper classification for manufacturing roles

Umbrella & Excess Liability

Additional limits over liability and liquor liability
Often required for events, lenders, or distributors

Hospitality, Events & Retail Considerations

Many beverage producers also operate:

Tasting rooms and taprooms
On-site retail and merchandise sales
Private events, weddings, and festivals
Tours and educational experiences

Insurance must address crowds, alcohol service, temporary structures, and event-related risk without disrupting the guest experience.

Where exposure brews

Craft beverage operations face layered risk across production and public interaction, including:

Property loss to production facilities and inventory
Equipment failure (fermentation, distillation, bottling)
Contamination or spoilage of product
Liquor liability from on-site service
Guest injury in tasting rooms and event spaces
Agricultural exposure (vineyards, crops, equipment)
Business interruption during peak seasons
Distribution and transit losses

Our focus is protecting product, cash flow, and brand reputation.

Why Republic Insurance Group

A craft-aware approach to beverage insurance

Beverage insurance fails when advisors separate agriculture, production, and hospitality.

Our approach:

1. Operation & process review
From vineyard or mash bill to tasting room and events.

2. Coverage architecture
Property, liability, liquor, product, and income protection aligned.

3. Contract & distribution awareness
Coverage structured to satisfy distributors, venues, and lenders.

4. Claims advocacy
Hands-on support when losses threaten inventory or reputation.

What clients value most:

Advisors who understand production realities
Coverage that protects aging inventory
Long-term partnership as the brand grows

Coverage that scales with the brand

As operations grow, we help address:

Self-distribution vs third-party distribution
Transit and inland marine exposure
Multi-location operations
Contractual requirements from wholesalers and retailers
Expansion into new states or markets

Frequently Asked Questions

1) Is liquor liability required for tasting rooms?
Yes. Alcohol service creates unique liability exposure.

2) Does property insurance cover aging wine or spirits?
Only if inventory values and policy terms are structured properly.

3) Are vineyards insured like farms?
Sometimes. Coverage depends on whether operations are agricultural, commercial, or both.

4) Is equipment breakdown important for producers?
Yes. Mechanical failure can destroy product and halt production.

5) Do events require additional coverage?
Often. Large or special events may need endorsements.

6) How often should coverage be reviewed?
Annually, or whenever production, inventory, or public interaction changes.

Insurance built for the craft and the experience.

From vineyards and wineries to breweries and distilleries, Republic Insurance Group delivers insurance solutions designed to protect production, hospitality, and growth.