Even when you purchase top-of-the-line equipment and maintain it in great condition, mishaps can happen that result in loss of your product. Power outages may cause refrigeration systems to shut down. Entire tanks of beer can spoil, wasting all of the ingredients you put into it, and preventing the sale of that product when it was intended to go to market. Your tanks may also begin to leak unexpectedly, and you could walk into your brewery the next day to a tank that is only half full.
These kinds of situations may not be covered under all brewery insurance policies. You will also want to know about the availability of coverages such as Retail Sale Price coverage for the product that is lost, or you may be paying a lot out of pocket, even after the claim is covered.