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Specialized Coverage for Craft & Wine Makers

Breweries & Wineries Insurance

Breweries and wineries are part of Minnesota’s growing craft and agricultural scene, but these businesses face risks that go far beyond standard commercial coverage. Johannes Agency provides specialized insurance for breweries and wineries.With decades of experience, we help protect your equipment, property, staff, and customers—so you can keep your business pouring.

What’s Included in Breweries & Wineries Insurance

Insurance for breweries and wineries blends standard business protections with specialized coverage. Common options include:

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General Liability

Protects against claims of injury or property damage.

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Liquor Liability

Essential for businesses serving or selling alcohol.

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Commercial Property

Covers buildings, brewing equipment, barrels, and inventory.

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Workers’ Compensation

Provides coverage for employees injured on the job.

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Equipment Breakdown Coverage

Covers critical systems like kettles, boilers, pumps, and refrigeration.

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Product Liability

Protects against claims tied to products you brew, bottle, or sell.

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Business Interruption Insurance

Helps replace lost income if operations must shut down temporarily.

Brewing & Winemaking Operations We Insure

Johannes Agency helps protect businesses of all sizes in the craft beverage industry, including:

  • Craft Breweries

    From small taprooms to larger distribution-focused breweries.

  • Wineries & Vineyards

    Protection for facilities, crops, and tasting rooms.

  • Brewpubs & Taprooms

    Insurance for onsite service and sales.

  • Distilleries & Cideries

    Coverage tailored to specialty operations.

  • Events & Festivals

    Liability coverage for community events hosted by your business.

Breweries & Wineries Insurance FAQs

Here are answers to common questions brewery and winery owners ask about insurance:

  • Why do I need liquor liability insurance if I already have general liability?

    General liability won’t cover claims arising from alcohol service. Liquor liability insurance is crucial for breweries, wineries, and brewpubs that serve or sell alcohol. It protects against claims of over-service, intoxicated patrons, or related incidents.

  • Does commercial property insurance cover brewing equipment?

    Yes. Brewing tanks, kettles, barrels, refrigeration, and other essential equipment are covered for fire, theft, or storm damage. Adding equipment breakdown coverage ensures protection against mechanical or electrical failure.

  • How does business interruption coverage help breweries and wineries?

    If operations are interrupted due to a covered claim—like fire, storm damage, or equipment breakdown—business interruption insurance helps replace lost revenue and cover expenses until you reopen.

  • Can product liability cover issues with spoiled or contaminated batches?

    Yes. Product liability coverage can protect your business if a customer claims injury or illness due to your product. It can also help with financial losses tied to recalls.

  • Do wineries and vineyards need crop insurance?

    Yes. Grapes and other crops face risks from weather, pests, and disease. Crop insurance provides additional protection for vineyards alongside standard winery coverage.