DISTILLERY INSURANCE. DECODED.
You shouldn't need a secret decoder ring to understand what your insurance covers. That's what InsuranceMan is for. Distilleries operate at the intersection of manufacturing, hospitality, retail, and distribution. Each brings unique exposures that standard insurance programs may overlook or inadequately address. With more than 18 years specializing in distillery and alcohol insurance, InsuranceMan knows where those gaps hide—and how to address them before a claim reveals them.
WHY GENERIC INSURANCE FAILS DISTILLERIES
A standard commercial package policy was not written with a working distillery in mind. It doesn't account for the value locked in your aging barrels, the liability exposure of your tasting room, or the regulatory complexity of a licensed spirits operation.
The result: policies that look complete on paper but leave catastrophic gaps in practice. Aaron built his entire practice around closing those gaps.
THE RISK LANDSCAPE, MAPPED.
Six categories where distilleries face exposure that standard policies routinely miss.
YOUR SPIRITS APPRECIATE. DOES YOUR INSURANCE?
Increasing Value Over Time
Specialized maturation valuation coverage that recognizes how spirits increase in value as they mature, helping ensure your insurance reflects what you've actually aged, not simply what it originally cost.
WHEN THE TASTING ROOM BECOMES A LIABILITY
Liquor Liability
Liquor liability and premises coverage tailored to the unique exposures of licensed on-site tasting rooms, retail operations, and off-site events.
WHEN THE STILL STOPS, PRODUCTION STOPS
Mechanical & Electrical Breakdown
Coverage for stills, fermenters, bottling lines, and HVAC systems, etc. The production infrastructure a distillery cannot operate without.
ONE BAD BATCH CAN CHANGE EVERYTHING
Contamination, Defects & Recall Expenses
First- and third-party coverage for contamination events, voluntary recalls, and the reputational damage that follows a product safety incident.
THE BILLS DON'T STOP WHEN PRODUCTION DOES
Lost Income & Continuing Expenses
Business income and extra expense coverage designed to help protect against lost income and continuing expenses following a covered loss, with special consideration for the extended production and recovery periods unique to distilleries.
YOUR DISTILLERY ISN'T IMMUNE TO HACKERS
Ransomware, Data Breaches & Cyber Disruption
Cyber liability coverage designed to help protect your distillery against the financial consequences of cyberattacks, including ransomware, data breaches, system recovery costs, and business interruption resulting from covered cyber incidents.
INSURANCEMAn's COVERAGE Utility belt
Protecting a distillery takes more than a standard insurance policy. From aging inventory and production equipment to liability exposures and business interruption, InsuranceMan helps build an insurance program around your operation, your risks, and your future.
COMMERCIAL property
Protection for buildings, equipment, contents, and inventory, subject to the policy's valuation provisions.
INLAND MARINE / STOCK THROUGHPUT
Coverage options for inventory and equipment in transit, storage, or at locations beyond the primary premises.
GENERAL LIABILITY
Protection against certain third-party bodily injury, property damage, and related liability claims.
LIQUOR LIABILITY
Specific coverage for alcohol-related liability claims arising from the sale, service, or furnishing of alcoholic beverages at tasting rooms and off-site events.
PRODUCT LIABILITY & RECALL
Protection against certain claims arising from products you manufacture or distribute, with separate recall coverage options for qualifying product withdrawal and recall expenses.
EQUIPMENT BREAKDOWN
Coverage for sudden and accidental mechanical or electrical breakdown of covered equipment, including stills, boilers, chillers, and other essential production machinery.
Business Income & Extra Expense
Coverage for lost income and necessary extra expenses when a covered property loss interrupts your distillery's operations, subject to policy terms and applicable waiting periods.
WORKERS' COMPENSATION
Coverage for employees who suffer work-related injuries or occupational illnesses, including applicable medical expenses, lost wages, and employer liability protections, subject to state law and policy terms.
COMMERCIAL UMBRELLA / EXCESS LIABILITY
Additional liability limits that help protect your business when a major claim exceeds the limits of your underlying coverage.
SPECIALIZED DISTILLERY COVERAGE
Specialized policy forms and valuation provisions designed for the unique risks of distilling, aging, storing, and selling spirits, including valuation methodologies developed by InsuranceMan and adopted by insurance carriers.
HIRED & NON-OWNED AUTO (HNOA)
When employees use their personal vehicles or your business rents vehicles for deliveries, supply runs, or other company errands, Hired & Non-Owned Auto Liability helps protect your business against resulting auto liability claims.
CYBER LIABILITY
A cyberattack can shut down production, compromise customer information, and disrupt your business. Cyber Liability coverage helps address ransomware, data breaches, recovery costs, and resulting business interruptions.
WHEN YOU SEND THE IM BEACON, HERE'S WHAT HAPPENS Next.
Initial Consultation
Aaron takes a closer look at your current coverage and asks the questions that uncover risks other agents may overlook.
Gap Analysis
A plain-language breakdown of where your current policy falls short, specific to your operation, not a generic checklist.
Coverage Recommendations
Specific coverage solutions matched to your actual risk profile, with clear explanations of what each one does and why it matters.
Ongoing Partnership
Aaron stays engaged as your operation grows and your risk profile changes, not just at renewal time.
GET YOUR COVERAGE REVIEWED.
Send the IM beacon. Aaron will personally review your current policy and tell you exactly where the gaps are.
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