Craft brewers who operate vehicles as part of their business activities typically need commercial auto insurance rather than personal auto insurance. Commercial Auto Insurance is designed to cover vehicles used for business purposes, offering protection for liabilities and risks that can arise during operations.
Craft brewers may use vehicles for a variety of business tasks, such as transporting raw materials, delivering finished products to retailers or customers, or traveling to events and festivals. If these vehicles are owned, leased, or regularly used by the brewery for business purposes, a commercial auto insurance policy is typically necessary.
Key Insurance Considerations for Craft Brewers:
Commercial Auto Insurance
This coverage protects vehicles that are owned, leased, or operated by the brewery for business use. It typically includes liability, collision, and comprehensive coverage tailored to commercial needs.
Liability Coverage
Liability coverage helps protect against claims for bodily injury or property damage caused by brewery vehicles while operating for business purposes.
Cargo Coverage
If your brewery transports ingredients, packaging materials, or finished products, cargo coverage can insure those items against loss or damage while in transit.
Hired and Non-Owned Auto Coverage
If employees use personal or rented vehicles for brewery-related tasks, this coverage helps protect the business from liability in case of an accident involving those vehicles.
Specialized Coverage
Some breweries may need additional protection. For example, operating a mobile taproom or food truck may require broader or specialized commercial vehicle coverage. Discuss your specific operations with a licensed agent to ensure adequate protection.
Frequently Asked Questions
Do I need commercial auto insurance if I only use my vehicle occasionally for brewery tasks?
Yes, if you use your vehicle for any business-related activities, even occasionally, personal auto insurance may not cover losses. Commercial auto coverage is recommended.
What’s the difference between hired and non-owned auto coverage?
Hired auto coverage applies to vehicles your business rents or leases. Non-owned auto coverage applies when employees use their personal vehicles for company tasks.
Does commercial auto insurance cover product deliveries?
Yes, if your policy includes cargo coverage, it can protect products or supplies being transported in covered vehicles.
Is insurance required for mobile taprooms or beer trucks?
Yes, mobile units like taprooms or food trucks generally need specialized commercial auto coverage due to their unique risks and business use.
Can a personal auto policy cover my brewery vehicle?
Typically not. Personal auto policies often exclude coverage for vehicles used primarily for business purposes. A commercial policy is the safer option.
Still have questions? Talk to a local insurance expert.