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In San Antonio, TX, the craft of brewing beer is more than a business—it’s a blend of art, science, and passion. As a brewery owner, you pour your heart into creating unique brews that captivate and delight. But amidst the hops and malts lies the reality of unforeseen challenges that could disrupt your craft. That’s where SOGO Insurance steps in, offering specialized Brewery Insurance to protect the fruits of your labor and the legacy of your brewery.
Brewery insurance is a critical tool designed to shield your operations from the unpredictable. It’s about more than just complying with regulations; it’s about ensuring the continuity of your passion and protecting your investment. SOGO offers comprehensive coverage to ensure your brewery is covered with quality protection.
We Also offer insurance for:
Environmental liability exposures are not just for oil companies, nuclear power plants, and industrial mining operations. Breweries have wastewater and waste management concerns. Depending on the location of the brewery, previous use of property may also be an issue.
Strict liability laws apply to the brewing industry. Court-ordered injunctions, fines, and cleanup costs can be crippling. Almost all commercial liability policies contain some type of pollution exclusion. Coverage exists for this exposure through a standalone policy.
Note: Actual policies must be consulted for specific terms and conditions.
Automobile exposures are significant, especially if you handle your own distribution.
Employees need to be trained and aware of the exposures associated with driving for the brewery. Business auto insurance provides coverage for damages arising out of the use of automobiles for business purposes. A fleet safety program is a critical risk management strategy.
Note: Actual policies must be consulted for specific terms and conditions.
If open to the public, you are responsible for the well-being of visitors. This exposure is amplified if you offer brewery tours.
Given the possible hazards guests can be exposed to, it is important to keep tours confined to safe areas and preplanned routes. General liability insurance provides coverage for bodily injury, physical injury, or other personal injury related claims.
Note: Actual policies must be consulted for specific terms and conditions.
What do you do if one of your trusted employees is found guilty of doing something dishonest as it relates to his or her work with you?
Crime coverage can be obtained in your commercial property insurance policy, but coverage is very limited. Consider a standalone policy as well.
Note: Actual policies must be consulted for specific terms and conditions.
Customers or employees who entrust you with private information, such as credit card or social security numbers, put you at risk. If this data is lost, stolen, or compromised, you may be legally obligated to alert those affected by the breach.
Securing a cyber liability policy can cover expenses associated with compliance requirements, such as data breach notification, securing legal counsel to advise on incident response, credit monitoring services, public relations expenses, and paying for regulatory defense and penalties arising from privacy law violations.
Note: Actual policies must be consulted for specific terms and conditions.
If a bonded brewery fails to pay taxes appropriately, the bond amount can be used to pay the owed taxes as well as any other fees that might accompany the unfulfilled payment.
The brewer's bond is the cost of admission. They are known by a number of names; alcohol tax bonds, liquor license bonds, ATF bonds, and TTB bonds, but they all perform the same function. Government agencies that regulate breweries require bonds to ensure all taxes are paid appropriately. A knowledgeable insurance provider can help you navigate the bonding process.
Note: Actual policies must be consulted for specific terms and conditions.
It’s estimated that three out of five businesses will be sued by their employees. Companies are vulnerable during the pre-hire process, actual employment, and during a reduction in workforce. Claims can arise in any size operation. You can do everything right and still be sued.
Coverage comes in the form of a standalone policy. This coverage is critical to your risk management strategy as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.
Note: Actual policies must be consulted for specific terms and conditions.
As the brewing industry grows, supplies may become increasingly difficult or competitive to acquire. Making sure you have the adequate amount of Chinook hops for your spring seasonal can be the difference between having product to sell or not.
Diversifying suppliers, maintaining dialogue with back-up suppliers, monitoring the resource environment, and negotiating forward contracts can prevent disruption in production. Insurance coverage for contingent business income can be also obtained.
Note: Actual policies must be consulted for specific terms and conditions.
If a batch of beer is contaminated or in some way unfit to serve, breweries have much to lose, including the cost of additional materials, production time, disposal of product, and loss of revenue. If the batch makes it to store shelves, it becomes even more costly, both in direct revenue and brand reputation.
Seek coverage for spoilage, contamination, and product recall to help offset the costs associated with these events.
Note: Actual policies must be consulted for specific terms and conditions.
There is a high risk of equipment breakdown in the brewery business. When machines don’t work, beer can’t be brewed. You lose valuable time and profits while repairs are being made.
Mechanical breakdown is typically not covered under a commercial property insurance policy. Rather, obtaining systems breakdown coverage addresses this exposure.
Note: Actual policies must be consulted for specific terms and conditions.
Brewing equipment is a significant financial investment. Couple that with an above-average exposure to loss, and selecting the correct coverage here is critical.
Commercial property insurance will indemnify you for property damaged or destroyed due to a covered loss. Selecting an adequate limit of insurance that responds to as many perils as possible negates that risk.
Note: Actual policies must be consulted for specific terms and conditions.
If a patron is over-served at your establishment, you may be held responsible and liable for damages or injuries related to the patron’s intoxication.
Liquor liability insurance covers defense costs and damages to persons and property caused by intoxicated patrons. Training staff to recognize patrons who pose a liquor liability risk is a key risk control measure to consider.
Note: Actual policies must be consulted for specific terms and conditions.
Workers' compensation coverage is required by law. There is high demand for craft beer, but demand can lead to haste. Haste leads to accidents, accidents lead to injuries, and injuries lead to increased workers' compensation costs.
Promoting workplace safety and managing exposures can significantly reduce the frequency and severity of workplace injuries. Proactively addressing high risk scenarios helps control workers' compensation costs.
Note: Actual policies must be consulted for specific terms and conditions.
Breweries often participate in numerous events throughout the year. Many insurance policies contain what’s known as a designated premises endorsement. At a high level, this limits coverage to the premise named on the policy (the brewery). Participating in Craft Beer Expo or 5k Fun Run? Liability associated with events like those may not be covered.
Make sure you have coverage that extends to any events in which you wish to participate.
Note: Actual policies must be consulted for specific terms and conditions.
Accidents and unexpected events can happen to anyone, but with the right insurance coverage, you can brew with confidence. Brewery owners across San Antonio trust SOGO to provide them with the protection they need, ensuring that their businesses can thrive even in challenging times.
Expertise You Can Trust: With years of experience in commercial insurance, SOGO has a deep understanding of the unique needs and risks facing breweries, providing expert advice and tailored solutions.
Customized for Your Brewery: Recognizing that no two breweries are alike, we offer personalized insurance plans to match your specific operational needs, ensuring optimal protection.
Dedicated to San Antonio’s Community: Rooted in the heart of San Antonio, we’re not just insurers; we’re part of the local fabric, committed to supporting and protecting the businesses that make our city unique.
One of our insurance advisors will reach out to you to review your information and present you with the appropriate brewery insurance solution. There’s no obligation, just good-old-fashioned advice.
Here’s how SOGO’s comprehensive coverage supports your brewery:
General Liability Insurance: This foundational coverage is your safeguard against accidents that could occur on your premises, covering everything from customer injuries to property damage claims, ensuring peace of mind as you welcome patrons to your tasting rooms.
Liquor Liability Insurance: Essential for breweries, this coverage protects you against claims arising from the sale or consumption of alcohol, addressing the legal and medical costs associated with incidents involving intoxicated patrons.
Property Insurance: Beyond the brews, your brewery houses valuable assets, from state-of-the-art brewing equipment to unique decor. Property insurance ensures your physical investments are protected against loss or damage, keeping your operations flowing smoothly.
Protecting your brewery with SOGO Insurance is straightforward:
Reach Out: Contact us to outline your needs, and we’ll guide you through the insurance landscape. Use our online form or call for an obligation-free discussion about your brewery’s insurance needs.
Customize Your Coverage: Share the specifics of your brewery, from the scale of your operations to the unique risks you face. This information allows us to tailor an insurance plan that fits like a glove.
Choose Your Plan: We’ll present you with a selection of policies from our comprehensive coverage options, designed to protect both your patrons and your investment. Take your time to compare and select the one that best meets your brewery’s needs.
Secure Your Future: Finalize your chosen coverage with ease, and gain immediate access to your insurance certificate. With SOGO, safeguarding your brewery is as simple as brewing your next batch.
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We’re an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected.
We don’t just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future.
We offer comprehensive insurance solutions throughout Texas, as well as surrounding areas including, Helotes, Schertz, New Braunfels, Cibolo and Bexar County.
At SOGO Insurance, we strive to provide a true, concierge client experience which is unique in the insurance industry. We give clients the power of choice from top-rated national and regional insurance carriers.
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