Which insurance providers currently underwrite distilleries, and what are members experiencing with renewal challenges?

Distillery insurance has become increasingly difficult to secure, with many mainstream insurers withdrawing from the market. Members report that their existing insurers are refusing to renew terms, and brokers are warning of high rejection rates from their panels.

Providers currently willing to underwrite distilleries include: - **NFU** — actively underwriting distilleries; members report switching to them despite higher premiums; praised for reliable claims payment and strong service - **Aviva** — still accepting distillery accounts - **Capsule Brokers** — recommended as a smaller, B Corp broker specialising in distillery placement - **The Clear Group** — brokerage confirmed to handle distillery insurance - **Gallaghers** — established broker (members' existing point of contact), though they are experiencing difficulty placing new renewals as their panel has largely withdrawn from distillery underwriting

Current market context: Members note that perceived risk in the distillery sector has increased, with expectations of significant premium rises. One member speculated this may be linked to elevated claims activity in 2024. The market is tightening, and brokers are warning clients that even preliminary underwriting referrals may result in refusal. Members recommend contacting specialist brokers early rather than waiting until renewal deadlines.