Liquor Manufacturing

Overview of the Program from Allstar Financial Group

This Liquor Manufacturing program is designed for producers of alcoholic beverages — from craft distilleries to larger beverage manufacturers — who need liquor liability placed through a dedicated underwriting platform. Allstar Financial Group provides flexible solutions through multiple carrier relationships and can place accounts on a monoline or package basis. Limits range from $100K/$100K up to $1M/$2M, and assault & battery coverage follows general liability where applicable.

Ideal Accounts and Appetite

• Small to mid-sized craft distilleries and spirits producers
• Contract bottlers, co-packers, and beverage manufacturers with controlled on-site operations
• Manufacturers with limited retail tasting rooms or on-site samplings (underwriting review required)
• Accounts with sound risk management, training programs, and reasonable gross receipts relative to operations

Not typically a fit: retail-only liquor stores, bars/nightclubs with high assault risk, or manufacturers with significant off-site events and poor loss controls. Underwriting will review single-event exposures and distribution practices before binding.

Coverage Highlights and Advantages

• Limits available from $100K/$100K up to $1M/$2M
• Monoline liquor liability or package placements with GL and other lines
• Assault & battery follows general liability when included
• Access to multiple carriers through Allstar’s MGA and E&S relationships
• Fast quoting and binding workflow for eligible small business accounts

Underwriting Notes and Minimum Premiums

Underwriting focuses on operations, distribution practices, on-site sales/tastings, and training/controls. Provide clear details on production volumes, annual gross sales from alcoholic beverages, whether tastings or tours are offered, and any prior liquor-related claims. Minimum premium varies by account and territory — provide full submission details to receive an accurate indication.

Territories and Admitted Positioning

Program availability is currently focused in GA, NC, SC, TN, and VA. The program is listed as "Most Available States" for broader carrier access; availability and admitted vs. non-admitted placement varies by state and risk characteristics. Contact underwriting to confirm admitted or excess & surplus options for a specific account.

Why Work with Allstar Financial Group on Liquor Manufacturing Business

• Specialized underwriting for liquor manufacturing exposures with multiple carrier options
• Quick entry for small business accounts via an efficient quoting/binding process
• Dedicated underwriters experienced with distilleries, contract bottlers, and related manufacturing operations
• Ability to write monoline liquor liability or combine with package solutions when appropriate

Example Fits

• You have a craft distillery with on-site tours and limited tastings, clean loss history, and annual spirits sales under the program thresholds — this is a typical fit for our monoline liquor liability limits.
• A mid-sized beverage manufacturer seeking higher aggregate limits and a package placement for GL and liquor liability can benefit from Allstar’s carrier panel and underwriting flexibility.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.