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Breweries, Wineries, Distilleries Insurance

You face some pretty unique risks operating a winery, brewery or distillery. That’s why ERIE’s coverage is designed to help with a special mix of policies, endorsements and services that your business really needs.

Your Risks, Our Solutions

Business Insurance from ERIE has you Covered

Premises Liability Coverage

If you become legally liable for injuries suffered by a guest after something like a slip-and-fall accident at your brewery, winery or distillery.

Product Withdrawal Coverage

In case a problem during bottling process poses a safety issue to consumers requiring you to withdraw the product. (Available for purchase as an additional coverage.)

Liquor Liability Coverage

For legal costs and payments if your brewery, winery or distillery is named in a lawsuit. (Available for purchase as an additional coverage.)

Coverage for Property and Income Loss

For property that is damaged by theft, water damage, fire, lightning, wind, vandalism or other covered perils, as well as funds to rent an alternate space while your business is being repaired.

Equipment Breakdown Coverage

To repair or replace equipment such as machinery, conveyors, telephones, computers and heating/cooling equipment after an equipment breakdown due to a loss that ERIE covers.

Product Contamination Coverage

For lost business income, replacement of contaminated food, sanitation expenses and more. (Available for purchase as an additional coverage.)

Workers’ Compensation Coverage

In the event an employee suffers an injury or disease arising in the course and the scope of their employment, regardless of negligence on your part. (Available for purchase as a separate policy.)

Business Auto Coverage

To protect you, your drivers and your business in many important ways. (Available for purchase as a separate policy.)

Employment Practices Liability Coverage

Protection for you and your business in the event an employee claims to have experienced employment discrimination, wrongful termination or sexual harassment. (Available for purchase as an additional coverage.)

Even More Coverage

Here are some of the extra ways that coverage from ERIE goes above and beyond.

Hired & Nonowned Auto Liability

Covers liability arising from autos you lease, hire, or borrow or autos of your employees being used in connection with your business.1

Sewer or Drain Backup

Covers a loss caused by water or sewage that backs up through sewers or drains or overflows from a sump pump.2

Data Breach Response Expenses

To notify and assist affected individuals and provide various case management services.1

Ordinance or Law

Covers increased costs of complying with building codes which regulate construction and repair of damaged buildings after a covered loss.

Employee Theft

Protects you against employee theft, which is a situation that can be hard to detect and often goes on for an extended amount of time.

Earthquake

Covers a loss caused by an earthquake.2 

1 Available for purchase as an additional coverage on select policies.

2 Available for purchase as an additional coverage.

The ERIE Difference

Great service is part of the package.

Risk Control

You have access to risk control tools and services to help you identify and reduce common business risks.

Your Local ERIE Agent

Your independent ERIE agent is there for you from quote time to claim time to every time in between.

Specialized Services

Your business has support from claims and customer service teams that have special training in servicing breweries, wineries, and distilleries businesses.

Claims service you can count on

With ERIE, you have claims service that’s local and quick to respond.

 If you have to file a claim, you can rest easy knowing that ERIE stands behind its promise of service. ERIE has claims offices throughout its territory, so help is always close by. Reimbursement for smaller claims can happen in as little as 48 hours.

Let's talk

Does your business have the same level of protection and service? If not, let’s talk.

Ready to get started?

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