What does brewery insurance typically cover?

A brewery insurance programme arranged through Premier Insurance can include buildings (where owned) and contents, stock cover including frozen and chilled goods, public and products (food) liability, employers' liability where staff are employed, business interruption with an indemnity period long enough to cover a kitchen rebuild, money, glass, and stock deterioration following freezer or chiller breakdown. Where you hold a premises or alcohol licence, cover can extend to loss of licence and liquor liability. Limits, conditions and excesses vary by insurer and operation — we scope the right combination for your venue before quoting.

How much does brewery insurance cost in the UK?

Brewery insurance premiums in the UK vary widely with turnover, services offered, claims history, premises and how the operation actually runs. Premier Insurance compares quotes from 200+ UK and Lloyd's of London insurers — including AXA, Aviva, Allianz, Hiscox, Zurich, RSA and QBE — so the structure and limits match your business rather than a generic scheme.

Do I legally need brewery insurance?

If you employ any staff in the UK — even part-time or casual — Employers' Liability Insurance is a legal requirement under the Employers' Liability (Compulsory Insurance) Act 1969. Public liability is not legally required but is contractually demanded by almost every commercial client, landlord, local authority and main contractor.

How quickly can Premier Insurance arrange brewery cover?

For most standard brewery risks we can provide quotes within the same working day and issue cover the same day once you accept the quote. Speak to a UK broker on 020 8908 2426 (Mon–Fri 9am–5:30pm), WhatsApp 07954 331362 or email hello@premier-insurance.co.uk.

Brewery Insurance from £15.00/month

From £15.00/month. Compare brewery insurance from 200+ UK insurers. Tailored cover, free quotes in minutes. FCA regulated broker since 1983.

Brewery insurance — hospitality and food cover from a UK broker

Operations trading as brewery sit in one of the more underwritten parts of the UK SME market — premium and excess move sharply with kitchen layout, deep-fat frying, late-night trading and prior loss history. Premier Insurance is FCA regulated and a full BIBA member, placing risks across 200+ insurers including Lloyd's syndicates. Speak to a real broker on 020 8908 2426 or message us on WhatsApp 07954 331362.

What brewery cover typically includes

For brewery, the right programme starts with property, stock and liability and works outward. The covers below are the ones we most commonly arrange — what's appropriate for you depends on the lease, the kitchen and how the operation trades:

Buildings — where you own the premises or are responsible under the lease for the structure.
Contents, fixtures and catering equipment — fire, theft, accidental damage and breakdown of kitchen kit, refrigeration, EPOS and front-of-house.
Stock — including frozen and chilled — food and drink stock, with stock deterioration cover available following freezer or chiller breakdown.
Public and products (food) liability — food businesses typically need both: third-party injury on the premises, and claims arising from food or drink served.
Employers' liability — legally required in the UK if you employ staff (Employers' Liability (Compulsory Insurance) Act 1969), including most paid casuals and agency cover.
Business interruption — with an indemnity period long enough to cover a full kitchen rebuild and a return to pre-loss takings, not just the headline reopening.
Money and glass — cash on premises, in transit and overnight, plus fixed and shopfront glass.
Loss of licence and liquor liability — conditional — where you hold a premises or alcohol licence, cover can extend to loss of licence and to liability arising from the supply of alcohol. These sections only apply where you are actually licensed; they are not part of a standard food-only policy.

Where the premises are licensed, the programme can extend to loss of licence and liquor liability — these are conditional sections that respond only if you actually serve alcohol and hold the relevant licence; we confirm the wording matches your licence position before binding.

Risks we see most often in brewery work

For UK operators, the most expensive tails come from a fire or flood that closes the premises for months — the business-interruption indemnity period needs to be long enough to cover landlord works, kitchen refit and a return to pre-loss takings, not just the headline rebuild.

Why brokered cover beats price-comparison sites

Comparison sites push you toward the cheapest premium, not the policy that pays. Premier's brokers read the wording, flag exclusions before you buy, and stay involved at claim time. Rated 4.9 on Google and 4.6 on Trustpilot — 100+ reviews across both — and a full BIBA member. For a tailored brewery quote, request a callback or email hello@premier-insurance.co.uk.

Related trade insurance from Premier

Builders Insurance — Comprehensive cover for UK builders and building contractors
Electricians Insurance — Liability and tools cover for electrical contractors
Plumbers Insurance — Public liability and professional cover for plumbers
Roofers Insurance — Specialist cover for roofing contractors working at height
Scaffolders Insurance — High-risk trade cover for scaffolding companies
Bricklayers Insurance — Liability cover for bricklaying and masonry contractors

Speak to a UK insurance broker

Our brokers are available Monday to Friday 9am to 5:30pm. Call 020 8908 2426, message us on WhatsApp 07954 331362, or email hello@premier-insurance.co.uk. Visit our offices at 49 Grosvenor Street, London W1K 3HP. You can also request a callback or learn more about our team.