Winery Insurance

As a winemaker or vineyard owner, you take pride in your bold creation. Making flavorful wine that stands out among the competition requires patience, precision and originality. Beyond grape growing, wine production and marketing, you may also handle distribution, equipment management and supervise a staff to keep operations running smoothly.

Protect your brand and product with comprehensive insurance that takes all state and federal requirements for wineries into account. To prepare for potential property damage and other significant losses, explore our specific solutions for craftsmen just like you.

Key Vineyard Coverages

Winemakers understand the importance of organization, efficiency and attention-to-detail, yet some scenarios are beyond your control. For instance:

  • Weather destroys grapes, wine or equipment
  • A guest slips, trips or falls on your property
  • Grapes are damaged in storage or transit
  • Leakage disrupts the winemaking process

In storage, your livelihood also faces possible risks. You may be dealing with equipment failure, wine spills, theft or fire.

To prepare for the unpredictable, winery coverage includes:

  • Wine Leakage
  • Contamination
  • Tanks, Caves, Trellises, Vines
  • Business Income
  • Spoilage
  • Mechanical Breakdown
  • Product Recall Expense
  • Selling Price Endorsement

Coverage does not extend to the distilling of hard liquor on premises – brandy, vodka, gin, rum, whiskey, etc. – home-based operations and bar, habitational or lodging exposure.

Eligible Lines of Business

Whether you privately operate or offer tours to the public, all wineries have unique needs. Establishments that serve alcohol need liquor liability coverage to protect against bodily injury and property damage claims. For instance, a patron becomes ill from consuming wine in your tasting room or an intoxicated customer causes bodily harm to another person.

Wineries that hold special events on premises further need coverage for these activities, as they can increase risk exposure. If you welcome other vendors on-site, they should present proof of insurance before performing services on your property.

To have complete coverage in place, businessowners need a combination of commercial policies and endorsements to address the inherent risks of running a business, including:

  • Auto
  • Crime
  • Cyber Liability
  • Equipment Breakdown
  • Farm
  • General Liability
  • Inland Marine
  • Property
  • Umbrella
  • Workers Compensation

Comprehensive winery insurance also comes with access to safety resources, including building evaluations, training for the responsible serving of alcohol and evacuation planning.

From large wine producers to small beverage shops, protect the fruits of your labor with a customized insurance package that meets your specific needs.

for a winery insurance quote!