Beverage manufacturers handle high-volume production, strict regulations, and potential contamination risks. Core coverages include:
- Commercial Property Insurance – Protects facilities, brewing or bottling equipment, and raw materials against fire, theft, or natural disasters.
- General & Product Liability Insurance – Covers claims if a beverage causes harm or contamination, protecting against lawsuits and recalls.
- Product Recall Insurance – Critical in beverage manufacturing, covering costs to recall unsafe or mislabeled products.
- Equipment Breakdown Coverage – Pays for repairs or replacements if machinery fails.
- Workers’ Compensation – Required in most states if you employ staff; covers job-related injuries.
- Business Owner’s Policy (BOP) – Bundles liability and property insurance with income protection during disruptions.
