Distilleries face elevated risk due to flammable materials, high-proof spirits, long aging cycles, and fire exposure. Insurance for distilleries must be intentional and carefully structured.
At BKC Insurance, distillery insurance is informed by both professional experience and real-world operational exposure.
Common Distillery Coverage Considerations
Property & Fire Risk
- Distillery buildings and improvements
- Fire and explosion exposure
- Flammable material storage
Production & Equipment
- Stills, boilers, and production equipment
- Equipment breakdown and mechanical failure
- Utility dependency and downtime risk
- Inventory & Aging
- Stored spirits and barrel aging
- Accurate valuation of aging inventory
- Spoilage and loss scenarios
Product & Liability
- Product and liquor liability
- Product contamination and recall
- Visitor and tasting room exposure
Business Interruption
- Lost income from production shutdown
- Extended downtime after covered losses
Why Distillers Work With BKC Insurance
- Industry-aware approach to distillery risk
- Carrier relationships familiar with spirits production
- Practical insight informed by ownership experience
- Clear communication and proactive planning
Start With a Distillery Risk Review
Schedule a complimentary 15-minute distillery insurance review.
No obligation. No sales pressure. Just informed conversation.
Our Alcohol manufacturing specialist Keith Shetler has been part owner of a Distillery for years. He understands the common hassles and complexities of the industry and will help you ensure that you have the coverage that’s right for you and your business.
BKC Insurance proudly serves alcohol manufacturers throughout Michigan, while supporting a broader range of industries through our full-service agency.
If alcohol manufacturing is part of your business, we understand the risks that come with it.