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Microbrewery Insurance in Illinois

Get a Quote for Microbrewery Insurance in Illinois, Indiana, and Missouri


At Blank’s Insurance, we work with a wide range of breweries across Illinois, from small taprooms in the suburbs to fast-growing microbreweries in downtown Chicago. Whether you’re operating a nano-brewery that self-distributes or a craft brewery that hosts events and tours, we help find insurance options tailored to your operations.

We’ve worked with:

  • Microbreweries producing fewer than 15,000 barrels annually
  • Regional craft breweries with onsite tasting rooms
  • Startups entering the Illinois craft beer scene
  • Established brands expanding distribution

No two breweries are alike, and our team helps explore coverage options that can support your specific setup, size, and plans for growth.

Microbrewery Insurance Illinois

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Provide us with your details, and we’ll create a personalized quote designed specifically for your needs.


Microbrewery Insurance Illinois

Why Is Brewery Insurance Important in Illinois?

Illinois is home to hundreds of breweries, with the state consistently ranking in the top 10 for craft beer production. With this popularity comes increased risk, from equipment breakdowns and liability claims to spoilage and property damage.

Having insurance that fits your brewery’s needs can help you respond to:

  • Guest injuries during tours or events
  • Losses from fire, theft, or vandalism
  • Problems with brewing equipment
  • Product recalls or contamination concerns

Brewery insurance isn’t just about protecting property; it’s about keeping your business resilient through the unexpected.

Brewery insurance may include a combination of policies, each designed to address different areas of risk. Common coverages Illinois breweries consider include:

  • General Liability Insurance – May offer protection if someone is injured on your premises or claims property damage.
  • Commercial Property Insurance – Could help cover buildings, brewing equipment, raw ingredients, and more.
  • Equipment Breakdown Insurance – May respond if your fermenters, chillers, or bottling lines experience mechanical issues.
  • Liquor Liability Insurance – Especially relevant for breweries with tasting rooms or bars.
  • Spoilage & Contamination – Could help when your product is lost due to temperature changes or contamination.
  • Business Interruption Insurance– May support you financially if your brewery is forced to temporarily close due to a covered event.

Every brewery operates differently, and we help explore insurance solutions aligned with your production scale and operations.

While Illinois doesn’t mandate a specific brewery insurance policy, certain coverages are often expected, especially when applying for liquor licenses or leasing commercial space. For example:

  • Liquor liability insurance is commonly required when serving alcohol onsite.
  • Workers’ compensation insurance is required in Illinois for most businesses with employees.
  • General liability coverage may be necessary when working with distributors, hosting events, or renting space.

We work with you to understand local and state guidelines and help identify coverage options that meet legal and contractual requirements.

Premiums for brewery insurance vary based on several factors, such as:

  • Square footage and location of your brewery
  • Annual production volume
  • Whether you have a taproom or host public events
  • Equipment value and brewing processes used
  • Number of employees and payroll size

A smaller microbrewery operating in rural Illinois may pay less than a larger operation in an urban setting with a tasting room and full food service. We work with multiple insurance providers to help you explore competitive options based on your budget and coverage goals.

Yes, many brewery insurance packages are flexible and can be tailored to your needs. Whether you’re just opening your doors or have been brewing for years, Blank’s Insurance can help you explore a custom insurance solution based on:

  • Your production scale
  • Distribution model (retail, wholesale, self-distribution)
  • Onsite retail or tasting room operations
  • Special events, such as festivals, live music, or private rentals

We take the time to understand your day-to-day risks and long-term plans to help match you with coverages that make sense for your brewery.

Located right here in Illinois, Blank’s Insurance understands the unique challenges and opportunities of running a brewery in the Midwest. From weather-related concerns to licensing requirements and event hosting, we offer guidance that’s grounded in local knowledge.

Our agency is committed to:

  • Listening to your goals and concerns
  • Connecting you with insurance carriers familiar with brewery risks
  • Answering your questions about coverage details and claims processes
  • Offering responsive service as your brewery grows or pivots

Whether you’re expanding into canning, adding a food menu, or increasing production, we’re here to help your insurance grow with you.

When choosing an insurance partner, look for an agency that:

  • Has experience working with craft breweries
  • Offers access to multiple carriers for more coverage options
  • Understands Illinois laws and regulations
  • Provides responsive service, not just at policy start, but throughout your coverage
  • Takes time to explain the ins and outs of each policy

At Blank’s Insurance, we pride ourselves on offering clarity, options, and a partnership mindset. We’re not just selling a policy, we’re helping protect your business and your craft.

Blanks Insurance

How Can I Get a Quote for Brewery Insurance in Illinois?

Getting started is simple. Just reach out to Blank’s Insurance with a few details about your brewery. We’ll guide you through the process, help you understand your coverage options, and connect you with quotes from carriers that understand the brewing industry.

To get a quote, you’ll typically need to provide:

  • Business location and square footage
  • Equipment and property value
  • Annual sales and barrel production
  • Details about employees and payroll
  • Information on any special events or public activities

We aim to make the process straightforward so you can focus on what you do best: brewing great beer. Whether you’re crafting IPAs, sours, or seasonal stouts, your brewery deserves insurance that’s as carefully crafted as your beer. Contact us today to explore coverage options built for breweries across Illinois.

Blanks Insurance

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