Bottom line for Kentucky craft distilleries: Kentucky bourbon and craft distillery insurance requires a specialty program — barrel warehouse property, tasting room general liability, liquor liability, product liability, and property policies aware of the exceptional fire load in aging warehouses. Standard commercial policies materially underprice Kentucky distillery risk.
Boswell Insurance Agency writes Kentucky craft distillery insurance and can help you compare specialty distillery programs. Blake Boswell, licensed Kentucky property and casualty producer, Murray, KY.
Kentucky distillery coverage areas
- Barrel warehouse property. The fire load of an aging warehouse is unlike anything else in Kentucky commercial property. Property carriers evaluate sprinkler systems, warehouse construction, spacing, and total barrel counts.
- Business income. A warehouse fire can wipe out years of aging bourbon. Business income coverage that accounts for the multi-year aging cycle is essential.
- Product liability. Consumer bottled product exposure.
- Liquor liability. Tasting room service creates dram-shop exposure.
- General liability. Tasting room premises + tour premises exposure.
- Workers compensation. Kentucky mandatory.
- Commercial auto. Distribution vehicles.
- Cargo. Shipping bottled product.
Kentucky Bourbon Trail and craft distillery growth
The Kentucky Bourbon Trail and Kentucky Craft Bourbon Trail have grown craft distilleries statewide. Newer distilleries often carry inadequate barrel warehouse limits — as production scales and inventory ages, insurance limits need to scale with it.
Get a Kentucky distillery quote
Call (270) 925-1524 or email BLAKE@theboswellagency.com.
