Nano Brewery
You’re just starting out with your nano brewery. It’s all hands on deck and loads of fun.
You and your mates are doing all the work and selling whatever you make to family and friends and a few of the local bottle shops. It’s hard work but cool.
And whilst you carry many of the risks and liabilities of larger brewers realistically you are taking much of that on your shoulders.
However, there are two you must have
Property & Asset Insurance
This covers all the stuff you need to make beer – tanks, pumps, mash urns, electrical equipment – and includes the buildings, contents and stock* in case certain events happen.
These include fire, storms, malicious damage, explosions, earthquake, wind, and leakage of liquids, including water.
Any one of those events could be enough to stop the business. Which would be devastating.
* Including customers & supplier’s goods.
Public & Products Liability Insurance
If members of the public come onto your business premises, then you must have this. Whether it’s brewery tours, your own taproom, bar area, or suppliers coming onto the site, your business is exposed.
During daily business activities, accidents and mistakes can happen. If they cause injury, losses or damage your business is potentially liable.
Public Liability insurance protects your business for any such events, including injury to other people, or their property.
Products Liability covers you if your products injure or damage a third party. You are responsible at law – and need protection.
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