It is fair to say that the UK’s craft beverage sector is booming: microbreweries, artisan gin distilleries, and small-batch spirit producers are thriving from Cumbria to Cornwall. But behind every successful batch is a business exposed to unique risks.
At H&H Insurance Brokers, we provide specialist microbrewery and distillery insurance designed to protect your operation - from the brew kettle to the bottle, and beyond. Whether you’re hosting tasting events or scaling national distribution, we’ll help safeguard your business.
Why You Need Brewery or Distillery Insurance
Craft producers operate with specialist equipment, maturing stock, and complex processes that traditional insurance may not fully cover. Our policies provide protection against:
- Fire, flood, or equipment breakdown
- Product contamination or spoilage
- Public injury during tours or tastings
- Business interruption from unforeseen events
- Liability from product recalls or labelling errors
Whether you're operating a craft gin distillery, real ale microbrewery, or whisky maturation warehouse, having the right cover in place is essential.
What Our Microbrewery & Distillery Insurance Covers
Our tailored business insurance can include:
- Public & Product Liability
Protection against claims if a customer or visitor is injured on your premises or if someone falls ill after consuming your product - Business Equipment & Contents
Covers brewing and distilling machinery, fermenters, stills, casks, and computers - essential for protecting your operational core - Stock & Maturation Loss
Covers damage or loss of raw ingredients, bottled stock, and ageing spirits due to fire, theft, or temperature control failures - Business Interruption
Keeps your business running financially if you're forced to shut down temporarily due to an insured event - Employers’ Liability Insurance
A legal requirement if you have staff - covering workplace injuries or illness - Goods in Transit
Ensures your bottled products are covered while en route to festivals, distributors, or retailers - Product Recall & Contamination
If a batch is contaminated or mislabelled, this cover helps manage the recall process, public relations, and legal costs - Environmental & Pollution Liability
Distilleries and breweries often handle wastewater and alcohol waste - this coverage protects against accidental pollution and environmental claims
Risk Management for Craft Producers
While insurance protects you when things go wrong, good risk management helps prevent problems. We advise all our brewery and distillery clients to:
- Maintain fire suppression systems and safety checks
- Implement allergen and hygiene controls in every batch
- Train staff on chemical handling and machinery operation
- Secure your supply chain with trusted partners
- Review your cyber and eCommerce protections if you sell online
Why Choose H&H Insurance Brokers?
As a broker with decades of experience across agriculture, food production, and craft industries, we understand the pressures you face - fluctuating ingredients costs, regulatory challenges, staff safety, and brand protection.
- ✔ Specialist Industry Knowledge – We understand your processes and language
- ✔ Tailored Insurance Packages – No off-the-shelf policies—only relevant cover
- ✔ Northern Reach, Local Support – Headquartered in Cumbria, covering the North of England and Southern Scotland
- ✔ Ongoing Risk Reviews – We adapt your policy as your business grows
- ✔ Clients - We have a number of very satisfied clients whom we have worked with for a number of years. Read one testimonial from our long-standing client Black Powder Gin and yet another from our client Tirril Brewery.
Next time your renewal is due, contact us for a free quotation - whether you're a start-up microbrewery, a growing craft spirits brand, or a long-established artisan distiller, we can help. We’ll review your setup and provide an insurance quote that reflects the unique character (and risk) of your business. We look forward to hearing from you.