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Microbreweries

Whether you run a regional microbrewery or a local brew pub, you'll want to consider the advantages of insuring it with GNY—one of the nation's leaders in protecting microbreweries like yours. Based on our experience in this industry, we've customized an array of coverages that are specially crafted for your business.

Review the highlights of our solutions below or click here for an online needs assessment you can review with your insurance advisor.

Click any tab for highlights of our Commercial Insurance solutions:

  • Package
  • Auto
  • Workers' Comp
  • Umbrella
  • Excess & Surplus

Core Property Coverages. In addition to protecting your building and its contents, our package also provides other coverages particularly valuable to microbreweries and brew pubs, including protection against mechanical, electrical or pressure system breakdowns and food spoilage, contamination, and product recall.

 

Enhanced Coverages. Our package extends protection in 34 key areas that are critically important to microbrewery owners and operators, including:

Brew master salary continuation Identity theft recovery Environmental impairment
Employee dishonesty Ordinance law Off-premises power
Electronic data Accounts receivable Fine arts

 

Core Liability Coverages. This comprehensive solution can also protect you from lawsuits related to claims that you damaged other people's property, caused medical injuries and more.

 

Optional Coverages. Our Employment Practices Liability option protects against financial loss for claims related to hiring and firing practices and sexual harassment, just to name a few. Liquor Liability and Product Recall coverages are also available.

Please Note: This listing of available coverages is informative only. The actual coverages are subject to the terms, conditions and exclusions of the actual policy. Not available in all states.

If you insure your business or property with GNY, we may also be able to complement that coverage with insurance for any vehicles your business owns or leases. Your GNY producer can tailor a commercial auto policy that addresses your specific needs for protection against medical injuries, property damage, collisions and liability resulting from auto accidents. 

If you insure your business through GNY, you may also be able to secure your workers’ compensation insurance through us. This type of insurance can help pay for legal services related to a workers’ compensation claim as well as the medical care and lost wages of employees who are injured on the job or become ill because of a work-related disease. Not only do we offer an array of attractively priced dividend plans and other options, we also strive to limit our clients’ losses by helping them get their injured workers back to work as soon as prudently possible.

Given our litigious society, more and more businesses are subject to larger and larger lawsuits. Consider securing more peace of mind by adding umbrella liability coverage that extends beyond the liability protection included in your base package. Through GNY’s Brite Insurance Agency, we offer umbrella liability coverage ranging from $5-50 million for many types of business—at very competitive pricing.  

For those businesses with unique risks, GNY has established a subsidiary to address their specialized needs for insurance protection. Through GNY Custom, we have the expertise and the capacity to underwrite a diverse array of property and casualty risks. Just a few of the types of businesses we serve through GNY Custom include food processors, retailers, schools and other public entities, and many different types of product manufacturers.