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Breweries, Distilleries & Wineries

Here’s something to raise your spirits:

Breweries, Distilleries, and Wineries face unique risks inherent to their operations, making insurance essential for protecting their assets, reputation, and financial stability. These businesses invest significant resources in production equipment, raw materials, and inventory, all of which are vulnerable to damage, theft, or contamination. Insurance coverage for property, production equipment, and inventory ensures that any losses incurred due to unforeseen events like fire, leakage, or equipment breakdown are mitigated. Moreover, liability risks are prevalent in these industries, as products like beer, spirits, and wine can lead to consumer-related claims such as illness or injury.

brewing industry

 Liquor liability insurance provides essential coverage against such claims, shielding the business from costly legal fees and settlements. Additionally, breweries, distilleries, and wineries often rely on transportation to distribute their products, necessitating coverage for goods in transit. Cyber risk insurance is also crucial, given the industry’s reliance on digital systems for production, sales, and customer data management. By securing comprehensive insurance coverage, breweries, distilleries, and wineries can operate with confidence, knowing that they are protected against the myriad risks inherent in their industry.

Why Choose The Millward Agency?

Choosing The Millward Agency means opting for unwavering confidence in your insurance provider. Our accolades and recognitions speak volumes about our commitment to excellence. Our bespoke insurance solutions for the automotive industry are designed to underwrite your success, with a proven track record of serving businesses like yours with integrity, innovation, and a keen understanding of industry-specific risks.

Nationwide Presence

We are proud to offer nationwide coverage while retaining a personal touch that resonates with local communities. Our understanding of diverse regional needs ensures that our clients receive service that feels both global and neighborly.

75+ Years of Expertise

We carry a legacy of over seven decades in the insurance industry. Our enduring commitment to excellence is rooted in a deep understanding of insurance’s evolving landscape, shaped by years of experience and client-focused service.

Integrity in Every Policy

Our philosophy is simple: if we wouldn’t buy it ourselves, we won’t sell it. This ethos ensures every policy we offer is built on a foundation of trust and reliability, reflecting our commitment to honest and transparent insurance solutions.

Target Classes by Industry:

Here’s a comprehensive list of various types of habitational properties:

Breweries

Beer Production

Beer Production for Others

Beer Storage

Barrel Aging Programs

Taprooms

Brewpubs

Gastropubs

Restaurants

Catering

Special Events

Beer Stores

Lodging

Farm

Bonds

Distilleries

Liquor Distilling

Liquor Blending

Liquor Brand Owners

Wineries

Wine Production

Wine Production for Others

Alternating Proprietorships

Custom Crush

Wine Storage

Tasting Rooms

Wine Shops

Beverage Shops

Restaurants

Special Events

Catering

Lodging

Specialized Protection

Here are some important insurance policy endorsements and enhancements specifically tailored for habitational properties, but not limited to:

Liquor Liability

Protects against liabilities arising from the sale, service, or consumption of alcoholic beverages, covering claims of bodily injury, property damage, or other alcohol-related incidents.

Stock – Valued at Adjusted Market Value (Agreed Value Available)

Insurance for the inventory or stock of products, valued at their adjusted market value, with an option for an agreed value endorsement for specific coverage amounts.

Brands and Labels

Coverage for the value of intangible assets such as brands and labels, protecting against damage, loss, or impairment that could affect the market value or reputation of the brand.

Leakage

Insurance for losses resulting from accidental leakage or spillage of liquids or substances, providing reimbursement for the value of the lost or damaged product.

Spoilage

Coverage for losses due to the spoilage or deterioration of perishable goods, such as food or beverages, resulting from factors like temperature fluctuations, contamination, or power outages.

Foundation and Underground Pipes

Insurance for the foundation of buildings and underground pipes or utilities, protecting against damage or loss caused by perils such as subsidence, ground movement, or pipe leaks.

Processing Water Coverage

Coverage for damage or loss caused by processing water used in manufacturing or production processes, including contamination, equipment breakdown, or other covered perils.

Crime Coverage Endorsement

provides over 35 increased or expanded coverage features, along with one of the following:

    • Brewery Property Endorsement or Distillery Property Endorsement – adds four special coverage features for your craft brewery or distillery, including tank collapse, tank leakage, key-employee replacement expense and processing water extra expense
    • Winery Property Endorsement – provides the same four special features, plus additional coverage for your incidental vines and trellises
    • Product Contamination or Adulteration Endorsement – provides protection for your beverage product against accidental contamination while being processed
    • Product Recall Expense Coverage – provides for the cost of recalling your products that have caused or have potential to cause bodily injury or property damage

All carriers are “A” rated

Policies Offered by Industry:

Experience true tailored protection with our vast and diverse myriad of coverages for your Breweries, Distilleries & Wineries, but not limited to.

Breweries

Buildings

Insurance coverage for physical structures owned by the insured organization, protecting against damage or loss due to perils such as fire, vandalism, or natural disasters.

Beer Stock

Coverage for the inventory of beer held by the insured, protecting against damage, loss, or theft of the beer stock while in storage or on the premises.

Beer Contamination

Insurance that covers the cost of recalling or disposing of beer that has become contaminated, ensuring the financial protection of the insured in case of contamination incidents.

Leakage of Beer

Coverage for losses resulting from accidental leakage or spillage of beer during production, storage, or transportation, reimbursing the insured for the value of the lost beer.

Tanks & Barrels

Insurance coverage for the physical assets such as tanks and barrels used in beer production and storage, protecting against damage, breakdown, or loss of these specialized equipment.

Production Equipment

Insurance that covers the machinery and equipment used in the production process of beer, safeguarding against breakdowns, malfunctions, or other damage that could disrupt operations.

Specialized Beer Loss Valuation

Insurance coverage that provides a specialized valuation method for calculating the value of lost or damaged beer, taking into account factors such as ingredients, brewing process, and market value.

Beer in Transit

Coverage for beer being transported from one location to another, protecting against damage, theft, or loss during transit by road, rail, sea, or air.

Equipment Breakdown Coverage

Insurance that covers the cost of repairing or replacing production equipment, tanks, barrels, or other machinery in case of mechanical breakdowns or failures.

Product Withdrawal Expense

Coverage for expenses incurred in withdrawing or recalling beer from the market due to contamination, quality issues, or other product-related risks, including notification, transportation, and disposal costs.

General Liability

Insurance coverage that protects against claims of bodily injury, property damage, or personal injury arising from the insured organization's operations, products, or premises.

Pollution Liability

Insurance that covers liabilities and cleanup costs associated with accidental pollution or environmental contamination caused by the insured organization's activities.

Liquor Liability

Coverage for liabilities arising from the sale, service, or consumption of alcoholic beverages, protecting against claims of bodily injury, property damage, or other alcohol-related incidents.

Cyber Risk

Insurance coverage that protects against losses or liabilities resulting from data breaches, cyberattacks, or other cyber incidents that compromise the security or integrity of the insured organization's digital assets and information.

Commercial Auto

Insurance coverage for vehicles owned, leased, or used by the insured organization for business purposes, providing protection against liabilities, property damage, and injuries resulting from accidents or collisions.

Excess Liability

Additional liability coverage that extends the limits of primary insurance policies, providing higher levels of protection against catastrophic losses or large liability claims.

Employment Practices Liability

Insurance that protects against claims of wrongful employment practices such as discrimination, harassment, wrongful termination, or retaliation brought by employees or job applicants against the insured organization.

Distilleries

Buildings

Coverage for physical structures owned by the insured, protecting against damage or loss due to perils like fire, theft, vandalism, or natural disasters.

Business Property & Equipment

Insurance for physical assets such as equipment, machinery, and inventory, safeguarding against damage or loss caused by various perils.

Inventory

Coverage for the goods, merchandise, or products held by the insured, protecting against damage, theft, or loss while in storage or transit.

Beer Contamination

Insurance that covers the cost of recalling or disposing of contaminated products, providing financial protection in case of contamination incidents.

Additional Coverage Options

Coverage for losses resulting from accidental leakage or spillage of liquids or substances, reimbursing the insured for the value of the lost or damaged product.

Tanks & Barrels

Insurance coverage for the physical assets such as tanks and barrels used in beer production and storage, protecting against damage, breakdown, or loss of these specialized equipment.

Transit Coverage

Protection for goods or inventory being transported from one location to another, safeguarding against damage, theft, or loss during transit.

Equipment Breakdown

Insurance that covers the cost of repairing or replacing equipment, machinery, or systems in case of mechanical breakdowns or failures.

Specialized Beer Loss Valuation

Insurance coverage that provides a specialized method for valuing lost or damaged property, considering factors such as uniqueness, rarity, or market value.

Product Withdrawal Expense

Coverage for expenses incurred in withdrawing or recalling products from the market due to contamination, quality issues, or other product-related risks.

General Liability

Insurance coverage that protects against claims of bodily injury, property damage, or personal injury arising from the insured organization's operations, products, or premises.

Liquor Liability

Coverage for liabilities arising from the sale, service, or consumption of alcoholic beverages, protecting against claims of bodily injury, property damage, or other alcohol-related incidents.

Pollution Liability

Insurance that covers liabilities and cleanup costs associated with accidental pollution or environmental contamination caused by the insured organization's activities.

Cyber Risk

Insurance coverage that protects against losses or liabilities resulting from data breaches, cyberattacks, or other cyber incidents that compromise the security or integrity of the insured organization's digital assets and information.

Commercial Auto

Insurance coverage for vehicles owned, leased, or used by the insured organization for business purposes, providing protection against liabilities, property damage, and injuries resulting from accidents or collisions.

Employment Practices Liability

Insurance that protects against claims of wrongful employment practices such as discrimination, harassment, wrongful termination, or retaliation brought by employees or job applicants against the insured organization.

Wineries

Business Property & Equipment

Coverage for physical assets such as buildings, equipment, and inventory, protecting against damage or loss due to perils like fire, theft, vandalism, or natural disasters.

Wine Products

Insurance for the wine inventory held by the insured, safeguarding against damage, theft, or loss of wine products while in storage or on the premises.

Wine Contamination

Coverage for the cost of recalling or disposing of contaminated wine products, providing financial protection in case of contamination incidents.

Leakage of Wine

Insurance for losses resulting from accidental leakage or spillage of wine during production, storage, or transportation, reimbursing the insured for the value of the lost wine.

Tanks & Barrels

Coverage for the physical assets such as tanks and barrels used in wine production and storage, protecting against damage, breakdown, or loss of these specialized equipment.

Specialized Beer Loss Valuation

Insurance coverage that provides a specialized valuation method for calculating the value of lost or damaged wine, considering factors such as grape variety, vintage, and market value.

Transit Coverage

Protection for wine being transported from one location to another, safeguarding against damage, theft, or loss during transit by road, rail, sea, or air.

Equipment Breakdown

Insurance that covers the cost of repairing or replacing production equipment, tanks, barrels, or other machinery in case of mechanical breakdowns or failures.

Farm Buildings

Coverage for expenses incurred in withdrawing or recalling wine products from the market due to contamination, quality issues, or other product-related risks.

Estate Vineyard Dwellings

Insurance for dwellings or residences on a vineyard estate, providing protection against perils like fire, theft, vandalism, or liability claims.

Product Withdrawal Expense

Coverage for expenses incurred in withdrawing or recalling beer from the market due to contamination, quality issues, or other product-related risks, including notification, transportation, and disposal costs.

General Liability

Insurance coverage that protects against claims of bodily injury, property damage, or personal injury arising from the insured organization's operations, products, or premises.

Liquor Liability

Coverage for liabilities arising from the sale, service, or consumption of alcoholic beverages, protecting against claims of bodily injury, property damage, or other alcohol-related incidents.

Chemical Drift Liability

Protection against liabilities for damages caused by the unintentional drift of chemicals used in vineyard operations onto neighboring properties, crops, or water sources.

Farm Liability

Insurance that covers liabilities associated with farm operations, including premises liability, agricultural operations, and product liability for farm products such as grapes or wine.

Pollution Liability

Insurance that covers liabilities and cleanup costs associated with accidental pollution or environmental contamination caused by the insured organization's activities.

Personal Liability

Insurance that protects individuals from personal liability claims arising from accidents, injuries, or property damage for which they may be held responsible.

Cyber Risk

Insurance coverage that protects against losses or liabilities resulting from data breaches, cyberattacks, or other cyber incidents that compromise the security or integrity of the insured organization's digital assets and information.

Commercial Auto

Insurance coverage for vehicles owned, leased, or used by the insured organization for business purposes, providing protection against liabilities, property damage, and injuries resulting from accidents or collisions.

Excess Liability

Additional liability coverage that extends the limits of primary insurance policies, providing higher levels of protection against catastrophic losses or large liability claims.

Employment Practices Liability

Insurance that protects against claims of wrongful employment practices such as discrimination, harassment, wrongful termination, or retaliation brought by employees or job applicants against the insured organization.

Overview of Business Auto Insurance

The Millward Agency, Inc. Testimonials

Hear from our clients who have achieved stability and growth with The Millward Agency’s insurance solutions. Our case studies demonstrate our commitment to providing unparalleled support and protection, proving that no challenge is too big when you have the right insurance partner.

Kurtis ThorntonKurtis Thornton
18:38 16 Jan 22
Very helpful and nice people, a great place to get your insurance needs taken care of.
Christopher LymanChristopher Lyman
14:48 26 Oct 19
Finally, I don't need to ever look for another insurance agent. The Millward Agency handles my personal and business insurance. Always helpful with my questions and quick to respond to my emergencies. The Millward Agency Rocks!
Markusz SudozMarkusz Sudoz
19:03 19 Jul 19
Every time I go to my broker, Ed Caceres @ the Millward Agency, he always finds me the best insurance rates on my real estate properties. Ed is great, always extremely responsive and understanding of the industry. In the past I would go do my own insurance shopping and spend hours on hours to get the best rate, now I do not even bother shopping around I just call Ed and he always has the best pricing. In the beginning I got a quote from Ed then shopped around, now I have learned to not even waste my time. Ed @ Millward Always saves me hundreds of dollars. 110% on customer service, 100% on pricing!!! A+++
Mobility SolutionsMobility Solutions
19:09 25 Jul 18
Everybody!!!!! is Great to work with when ever I need anything which is almost monthly.Linda
carlene klebecarlene klebe
20:01 22 Jun 18
My former insurance agent and friend recommended Ed Caceres of Millward Agency. Within hours of having given Ed a call, I had quotes and was decided to go with his carrier. He was professional and answered all my questions. I’m happy to have done business with Ed and Millward Agency.
John CourtneyJohn Courtney
16:20 11 Jun 18
Business or Personal this is who you want - Personal service from their Team is amazing, treat as though you are their only client.* Business - Review policy/coverage every year. Not limited to one or two insurance providers. Recommend changes, not necessarily to save money (although it is available) provide additional coverage. Three months later our additional coverage cost $150 on a $15000 claim. For years we were not covered! They are not limited to one or two insurance providers as our previous agent.* Personal - couple of claims were handled like we were their only client. They bundled coverage in such a way to save $2100 a year for a family of four and kids in college.***Will continue to recommend to business colleagues, friends and family***
Karen CarterKaren Carter
16:01 08 Jun 18
Our company has been working with Millward Agency for many years.They have been the best insurance company I have ever worked with.The staff is always very informative and very professional. Our insurance needs which include general, auto and worker's comp are very complex. Millward is able to handle and update all of our needs at any time of the year. I really like the fact they get back to you very quickly! They are very knowledgeable and caring we never think of going elsewhere. We will definitely be customers for years to come. Thank you Millward Agency!
Chad StottChad Stott
17:56 07 Jun 18
Wade and the Millward team have been consistently reliable, prompt, knowledgeable and a pleasure to work with. Wade and his crew have guided us through our ever growing needs and we attribute our success to the partnerships we have forged with organizations like The Millward Agency. We look forward to many more years working together.
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Get a Quote

Ready to accelerate your business’s security and success? Contact Millward Agency today for a personalized insurance quote. Our team of experts is here to guide you through the process with ease and confidence, ensuring your business is covered, no matter what lies on the road ahead.