The competitive pressure and industry excitement that today’s craft beer market brings hasn’t been felt since the pre-prohibition days. We can help you handle the unexpected insurance challenges unique to your brewery so you can focus on brewing great beer and growing your business.

Our Craft Brewery Program, which targets craft brewers that manufacture 25,000 barrels (750,000 gallons) of beer per year or less, includes:

  • Liability Coverage for Your Premises and Products
  • Coverage for your building and business property
  • Commercial Auto
  • Workers' Compensation
  • Umbrella
  • Liquor Liability
  • Bonds

Bad Run of Beer? No Problem.

Our New Optional Limited Product Rework Expense Coverage may pay you up to $10,000 per policy term for things like additional labor, ingredients, materials, and expenses incurred to reproduce your product to its customary and recognized standard of quality if you deem a particular batch of beer to be of poor quality, unsellable, inadequate, or deficient while in the fermenting or brite tank phase of production.

Our Customizable Coverages are Robust!

Every craft brewery is unique, and your coverages should be specialized just like your business. We have valuable, optional coverages that can be bundled together at an affordable cost, including:

  • Food and Product Contamination
  • Master Brewer/Key Employee Replacement Coverage
  • Extra Expenses to Transport Water Needed to Continue Processing Operations
  • Spoilage
  • Brands and Labels
  • Outdoor Vines, Hops, Growing Ingredients, and Trellises
  • And much more!

We also provide more optional coverages that are important for your business such as Product Recall Expense, Equipment Breakdown, Employment-Related Practices Liability, and Cyber Liability. These are available at additional cost.

Specialty Risk Management Services

Competition is at an all-time high and breweries are pushed to the max to meet growing demands. You need someone to help you stay focused on keeping your customers and employees safe. Our experienced Risk Management representatives will partner with you to proactively help you address the top safety worries for your industry.

The Value of Utica National!

For more than 105 years, Utica Mutual and the member companies of the Utica National Insurance Group have built strong relationships with our agents and policyholders that have been the cornerstone of our success – success that includes working with independent agents since 1928 to insure what’s most important to you.

To learn how to partner with us for your craft brewery, please contact a Utica National independent agent today!


This summary represents an outline of coverage available from the companies of the Utica National Insurance Group (Utica Mutual Insurance Company, its affiliates and subsidiaries, New Hartford, New York 13413). No coverage is provided by this summary. All coverages are individually underwritten. Coverage availability, terms, and conditions are dictated by the policy and may vary by state. In the event of a loss, the terms of the policy issued will determine the coverage provided. For questions on coverages, contact your independent agent.