Microbrewery Insurance in Texas

Crafting a great beer takes passion, creativity, and hard work. Running a microbrewery or craft brewery in Texas adds another layer of complexity, with risks that are as unique as your brews. At Steve White Insurance, we help brewery owners across Texas find tailored insurance solutions that help safeguard their operations, staff, and future plans.

Whether you’re fermenting small-batch ales or managing a growing taproom business, we’re here to walk you through your options.

What Risks Do Craft and Microbreweries in Texas Face?

Operating a brewery in Texas involves more than just brewing great beer. There’s equipment to maintain, ingredients to source, staff to manage, and customers to serve. And with all of that comes a variety of potential risks.

From property damage and product spoilage to liquor liability and equipment breakdown, the challenges can be significant. In Texas, factors like extreme heat, severe weather, and high customer volume can introduce even more exposures.

We work with a wide range of breweries—microbreweries, brewpubs, regional craft brewers, and startup operations—to explore insurance options designed to fit your unique risks.

What Types of Coverage Are Often Considered for Texas Breweries?

Each brewery is different, and so are the types of insurance policies that may make sense. While we don’t make blanket statements about coverage, there are several types of policies that many Texas craft brewery owners look into:

• General Liability Insurance: Often explored for protection from third-party injuries or property damage occurring on-site.
• Liquor Liability Insurance: Especially relevant for breweries that serve beer directly to the public, such as taprooms or brewpubs.
• Commercial Property Insurance: Can be considered to help protect the building, brewing equipment, raw materials, and finished product.
• Equipment Breakdown Coverage: May help with repair or replacement costs if essential equipment fails.
• Product Recall Insurance: Some breweries choose to explore this in case a batch needs to be recalled due to contamination or labeling issues.
• Business Interruption Insurance: This can be helpful in scenarios where unexpected downtime impacts your income.

We’re here to discuss how each of these may—or may not—apply to your operation in Texas.

Is Insurance Required for Breweries?

While some forms of insurance are optional, others may be required. For instance, if you employ staff, you’ll likely need workers’ compensation insurance under Texas law, even though the state doesn’t mandate it for all businesses. If you have a lease agreement or a bank loan, your landlord or lender may also require specific types of insurance.

We help brewery owners review any legal or contractual insurance obligations they may have, and explore ways to meet those requirements while aligning with their business goals.

How Can Microbrewery Insurance Help You Stay Operational?

Breweries rely on consistency and efficiency—from sourcing hops to filling kegs. Disruptions can have wide-reaching effects. For example, if a fermentation tank malfunctions or a fire causes property damage, the downtime can result in lost revenue and missed deadlines.

Some brewery insurance options may help with:

• Costs to repair or replace damaged brewing equipment
• Temporary closure due to covered property damage
• Liability claims from customers or vendors
• Inventory loss caused by a refrigeration breakdown

Again, coverage varies by policy and provider, but our team at Steve White Insurance works with you to identify your specific needs and review available options in the Texas market.

Do Small and Large Breweries Need Different Coverage?

Yes, the size and scale of your brewery can influence the types of insurance you might consider. A small microbrewery may prioritize different policies than a larger operation that distributes across the state or hosts live events. Factors such as your annual production volume, number of employees, presence of a tasting room, and distribution model can all impact your insurance needs.

At Steve White Insurance, we’ve worked with breweries at every stage—from first-time entrepreneurs to well-established brands. We’ll help assess your business’s structure and growth plans so you can explore insurance that scales with you.

Can Brewery Insurance Be Customized to Fit My Business?

Absolutely. One of the strengths of working with an independent insurance agency is the ability to look at different providers and tailor a solution that suits your brewery. Whether you’re just getting started or expanding into new markets, we’re here to help navigate policy choices that reflect your current and future needs.

We take the time to understand how you run your brewery, what risks concern you most, and what you want to protect. From there, we build a personalized approach with transparency at every step.

Why Choose Steve White Insurance for Craft Brewery Insurance?

Located right here in Texas, we understand the local brewery landscape and the challenges that come with it. We’re not a one-size-fits-all agency—we focus on building relationships, not just policies.

When you work with Steve White Insurance, you can expect:

• A personalized review of your brewery’s risk profile
• Access to multiple insurance carriers and policy options
• Straightforward communication—no jargon, no surprises
• Ongoing support as your brewery grows or changes

Whether you’re running a cozy microbrewery in the Hill Country or a high-volume operation in Austin, we’re ready to support your insurance needs with local knowledge and a focus on long-term success.

How Do I Get Started With Craft Brewery Insurance in Texas?

The best place to start is a conversation. Our team is happy to answer your questions, explain policy features, and help you compare options that suit your unique situation. There’s no pressure, and no one-size-fits-all solution—just guidance from people who understand the brewing business in Texas.

Contact us today to schedule a consultation, request a quote, or simply learn more about what microbrewery insurance might look like for you.