Brewery Insurance

small business owner protected by brewery insurance

Brewery Insurance Crafted for Your Team

Chances are, you have great people helping you run your craft brewery or microbrewery. Your staff can have a huge impact on your business, which is why it’s important to keep them protected. Having the right workers’ compensation insurance will ensure your employees are taken care of when the unexpected happens. Our insurance helps protect them from accidents, injuries and illnesses that can happen on the job.
 
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small business owner protected by brewery insurance
small business owners feeling secure by having microbrewery insurance

What Is Workers’ Compensation Insurance for Breweries?

Workers’ compensation insurance for breweries helps give your employees medical, wage and other financial benefits if they’re injured or become ill on the job. This coverage applies to local or regional craft breweries and beer manufacturers. Keep in mind that most states require employers to have workers’ comp coverage.

What Affects the Cost of Brewery Workers Comp Insurance?

Insurance companies consider several different factors when calculating your workers’ compensation insurance rate, including:
 
  • Workers’ compensation class codes
  • Payroll size
  • Industry
  • Claims history
  • Coverage limits

Common Questions About Brewery Workers’ Compensation Insurance

Workers’ compensation insurance for craft breweries or craft beer manufacturers helps your employees recover from work-related injuries or illness. It can help cover medical care and treatment costs, replace lost wages and provide disability or death benefits. This coverage can also help pay for costs related to lawsuits filed against your business by an employee who has suffered a work-related injury or illness.
According to our policy data, most of our customers with less than $300,000 in payroll pay an average of $62 a month and some policies can start as low as $13 a month.** Workers’ comp quotes will vary in price, but you can see how much you’ll pay by getting a quote online today.
Yes, craft breweries should have workers’ compensation to help provide benefits to employees who are injured or become ill on the job. Most states require business owners with employees to carry workers’ compensation insurance. Even if you offer your employees health insurance coverage, it may not cover a work-related injury or illness.

Taking Care of Your Brewery Team

Your employees are a key part of keeping your brewery business running smoothly. If they’re injured or become ill on the job, it can have an impact on your business’ success. Brewery workers’ compensation insurance can help you take care of your team.
In the U.S., there were 2.8 million workplace injuries and illnesses reported in 2022.2
small business employee covered by workers' compensation brewer insurance

Employee Injury

“One of my brewers accidentally dropped a keg on his foot. He ended up needing surgery and couldn’t come back to work for a few months until he recovered.”
 
Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. This insurance can help pay for their treatment costs and replace some of their lost income.
small business owner covered by craft brewery insurance

Employee Lawsuit

“One of my employees hurt her back while loading a crate of craft beers onto a shelf. Next thing I knew, she sued my brewery business claiming that we’re liable for her injury.”
 
Employer’s liability insurance is included with a workers’ comp policy from The Hartford. This coverage can help pay your legal costs if your business is sued by an employee who is injured or became ill on the job.
small business owner knows about brewery insurance cost

Have Your Team’s Back With Brewery Insurance

When it comes to providing workers’ compensation benefits to your employees, partnering with an experienced insurance company is important. Backed by over 200 years of experience, we can help you find the protection you’re looking for. Get an insurance quote today for brewery workers’ compensation.
 
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Last Updated: April 8, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 U.S. Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2021-2022.”
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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