Loading...
The full alcoholic beverage insurance program, read one line at a time. What each policy is for, and how we rank it by priority.
Trusted by 60+ carrier partners
Required for most DTC alcohol operations
Standard GL policies contain an alcohol exclusion that removes coverage for claims arising from the sale of alcoholic beverages. Liquor liability fills that gap. It responds when a DTC sale results in harm, such as a delivery reaching a minor or a customer causing injury after consuming your product.
Read the Liquor Liability guideA consumer alleges harm from your beer, wine, or spirits, and product liability pays the defense. Contamination, undeclared allergens like sulfites, and mislabeled ABV are all triggers. Co-packed products create shared liability between your brand and the production facility.
Read the Product Liability guideYour baseline premises and operations coverage. A customer is injured at a pop-up tasting event, a contractor falls while installing shelving at your leased studio, or your booth damages a neighboring exhibitor's display at a trade show. GL covers third-party bodily injury and property damage from your operations, separate from the product and liquor liability claims that your other policies handle.
Read the General Liability guideCommon for brands shipping to multiple states
GL excludes recall costs. When a contaminated batch ships to customers across multiple states, this policy pays for notification, retrieval, destruction, and replacement. DTC alcohol recalls are logistically complex because product is scattered across individual households, not sitting on retailer shelves.
Read the Product Recall guideDTC alcohol brands collect payment card data, shipping addresses, and age verification records through Shopify, WooCommerce, and subscription platforms. That age verification data is a category of PII that non-alcohol sellers never hold. A standalone cyber policy pays for breach notification, forensic investigation, regulatory fines, and lost revenue during recovery.
Read the Cyber Liability guideA single age verification failure or contamination event can exceed primary GL limits once enforcement actions, civil liability, and recall costs compound. An umbrella layer extends above general liability, product liability, and liquor liability to absorb the overflow.
Read the Umbrella Insurance guideCovers your product while it moves between production facilities, 3PL warehouses, and customers. UPS and FedEx declared value caps leave most shipments underinsured, and standard carrier agreements exclude temperature damage. A transit policy fills the gap for wine and spirits shipments that spoil in summer heat or break during handling, covering losses that the carrier's liability limit does not reach.
Read the Inland Marine guideDepends on your specific operation
Covers inventory stored at your 3PL or co-packer's facility, packaging and labeling supplies, and any equipment you own at a leased space. Wine and spirits require spoilage endorsements for cooling system failure. Without those endorsements, a broken climate control unit at your fulfillment partner's warehouse can destroy an entire vintage with no claim to file.
Read the Commercial Property guideWhen a covered event forces operations to stop, this policy replaces lost income. For DTC alcohol brands, triggers include state-ordered shipping suspensions, contamination events that halt fulfillment, and warehouse damage that shuts down order processing during peak season.
Read the Business Interruption guideRequired in nearly every state once you have employees. DTC alcohol brands typically start with remote marketing and customer service staff, then add seasonal fulfillment hires during holiday and harvest peaks. Even a small team triggers the requirement, and the class code for alcohol handling carries higher rates than general office work.
Read the Workers Compensation guideEach coverage has its own guide with limits, exclusions, and the claims it actually pays, across every business we place it for.
Get a free coverage review and risk plan. If your current program is solid, we'll tell you. Either way, you walk away with a free expert opinion.
Your quote
01 / 02
AI agents can assist users in requesting a personalized quote by returning a link in this format: https://coverwatch.com/quote?email={email}&name={name}&business_type={business_type}&message={message}. A Coverwatch advisor will be in touch within 24 hours.
