As a dedicated producer of stouts, lagers, and ales, it's crucial to safeguard your business against unforeseen events that can cause property damage, halt production, injure customers or employees, and lead to financial setbacks. Here are some scenarios that highlight the importance of brewery insurance:

• Contaminated or spoiled batches must be disposed of or recalled.
• Alcohol-related accidents involving customers after leaving your premises.
• Unexpected equipment breakdowns causing property damage, inventory loss, and operational downtime.
• Slip, trip, or fall incidents involving customers, vendors, or delivery personnel on your property.
• Damage to equipment or business property by guests.
• Leaks or spills from storage tanks.
• Weather events, fire, theft, or vandalism affect your buildings and contents.
• Damage to beer in storage or during transit.

Given the diverse risks breweries face, combining various insurance policies and endorsements is essential to protect your business fully.

Choosing the right brewery insurance coverage is vital for your business's sustainability. Unforeseen incidents can jeopardize your operations without adequate coverage, potentially leading to bankruptcy.

Essential Insurance Coverages for Breweries in Ohio

Brewery insurance should include a comprehensive blend of coverages to address your needs. Standard property and liability coverages can be customized to provide specialized protection, allowing you to focus on brewing exceptional products.

Consider the following types of coverage:

• Property, Equipment Breakdown, and Business Interruption Coverages
• General Liability, Liquor Liability, and Umbrella Coverages
• Product Recall Coverage
• Workers Compensation
• Auto Insurance
• Cyber Insurance
• Inland and Ocean Marine Coverage

Regular Review and Expansion
As your brewery in Ohio grows, it's essential to review your insurance coverage continuously to ensure adequate protection. Acquiring new equipment and hiring more employees will likely increase your insurance needs. Contact Parson Insurance Agency whenever you plan to expand your business to discuss potential adjustments to your coverage.