Colonial General Insurance Agency, Inc. offers a specialized Beverage Manufacturing Insurance program designed for agents and brokers seeking tailored coverage solutions for beverage manufacturers and processors. Whether your client is producing non-alcoholic beverages, craft sodas, or alcoholic drinks such as beer or spirits, this program provides flexible and comprehensive protection for a wide range of exposures in the beverage industry.
Ideal Accounts and Appetite
This program is ideal for small to mid-sized beverage manufacturers and processors operating in the western U.S. We consider accounts involved in:
- Non-alcoholic beverage bottling (juices, soft drinks, flavored water, etc.)
- Craft breweries or distilleries (subject to eligibility)
- Private label beverage production
- Specialty or organic beverage processing
We work with agents to evaluate specific classes and can help place both standard and more complex risks through our access to admitted and non-admitted markets.
Coverage Highlights and Advantages
Coverages are available on a monoline or package basis and can be customized to fit the insured’s operational needs. Key features include:
Commercial General Liability
- Primary limits up to $3,000,000 Occurrence / Aggregate
- Hired and Non-Owned Auto Liability
- Liquor Liability (for applicable beverage producers)
- $5,000 Medical Payments – included
- Vendors as Additional Insureds
- Limited Product Withdrawal Expense – $5,000 limit included
- Excess or Umbrella Limits up to $25,000,000
Crime Coverage
- Inside the Premises – Theft of Money and Securities
- Robbery or Safe Burglary of Property Inside the Premises
- Outside the Premises Coverage
Property Coverage
- Building and Business Personal Property
- Business Income and Extra Expense
- Computer Equipment and Valuable Papers
- Accounts Receivable
- Equipment Breakdown
- Food Spoilage – $5,000 limit included (higher limits available)
- Replacement Cost or Actual Cash Value
- Outside Signs
- Basic, Broad, or Special Form options
Underwriting Notes and Minimum Premiums
Colonial General’s underwriting team evaluates each submission on a case-by-case basis. While no specific minimum premium is listed, competitive pricing is available depending on risk characteristics, coverage needs, and market availability. Liquor liability, product withdrawal expense, and spoilage coverage offer built-in value for beverage production accounts.
Territories and Availability
This Beverage Manufacturing Insurance program is available in the following states:
- Arizona (AZ)
- California (CA)
- Colorado (CO)
- Idaho (ID)
- Nevada (NV)
- New Mexico (NM)
- Utah (UT)
- Wyoming (WY)
We offer access to both admitted and non-admitted markets depending on the risk and jurisdiction.
Why Work With Colonial General Insurance Agency, Inc.?
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche middle-market commercial lines. We are committed to helping independent agents find the right fit for their beverage manufacturing clients—even those with unique or challenging exposures. With access to a variety of carriers and flexible underwriting, we work closely with agents to deliver timely quotes and comprehensive solutions.
Whether your client is launching a new beverage line or expanding production, Colonial General is ready to help you place and service these accounts with confidence.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is designed for beverage manufacturers and processors, including soda bottlers, juice companies, and select alcoholic beverage producers such as craft breweries and distilleries.
Is Liquor Liability included in the coverage?
Yes, Liquor Liability coverage is available for eligible accounts that manufacture or distribute alcoholic beverages.
Can I submit a monoline General Liability or Property policy?
Yes, both monoline and package policies are available depending on the insured’s needs and underwriting criteria.
What states is this program available in?
Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are additional insured endorsements available for vendors?
Yes, vendors can be added as additional insureds under the General Liability coverage.
Need help placing an account? Connect with a market specialist.