Brewery Insurance in Maryland
American craft brewing today is a popular and expanding art form that is busy elbowing industrialized commercial brews aside, not only in the USA, but across Europe, as well.
Because microbreweries are inherently unique, one-size-fits-all insurance policies simply won't do. A brewer whose equipment fills only a space the size of a storefront needs coverage different from one whose facility fits a large warehouse. Your insurance ought to be tailored for your exclusive marketing plan, shipping methods, brewing and storage space, liquor liability concerns, employees and much more.
What happens if a mishap on the road destroys a significant amount of your product? What do you do if a batch becomes contaminated? How much is at risk if you expended considerable funds to market a beer but it fails your taste test? Are your employees sufficiently covered in case of accidents? Do you have a taproom with its own integrated risks, as well? Would equipment failure or an earthquake put you out of business?
As you can see, quite a few things need to be considered before settling on a perfect plan for your operation. Depending on the size of your enterprise, these questions could just be scratching the surface.
Not all insurance companies do microbrewery insurance right. Because craft brewing is still a fairly new industry, only about a decade or so old, the insurance industry needs to catch up. Covering microbreweries properly requires a well-devised plan scaled to your needs so you do not pay for more than you need or suffer with too little coverage.
We are the premier Frederick, MD microbrewers' insurance agents. We invite you to call or visit one of our independent agents with Lebherz Insurance. We can happily visit your brewery and discuss your brewing methods, marketing habits and plans. Together we'll and assess your insurance needs and craft the coverage to perfectly fit your business.