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Winery Insurance provided by [pods name="amplispot_custom_setting_page" id="43" field="name_of_the_company"] .
Owning and operating a winery can be just as complex as your boldest reds. And in your line of work, you face a lot more risks than you may know — from the grape growing and harvesting to balancing the books to the legal liabilities that come with serving alcohol. The best way to properly protect your business and all that flows from it is with a blend of several different business insurance policies and endorsements, working together.
Common Risks Wineries Face
Wineries and vineyards are complicated businesses that can come with big rewards and no shortage of risks. You wear many hats in order to run your business—from farmer, to scientist, to marketer, and many more—yet so many things are simply out of your control.
You need winery insurance to protect you from the financial losses that can accompany damaged crops, spoiled wine, lawsuits, and other unforeseen events that can cost you everything.
Even a small winery must insure every step of the winemaking process. As you grow, harvest, ferment, bottle, and sell your wines, one unexpected problem can destroy your thriving business overnight.
Among your biggest concerns to consider, are:
- Guests on your property, or at an event, slip and fall
- Guests damage or destroy grapes, wine, or equipment
- Grapes are crushed in transit
- Leakage, spillage, or accidental mixing destroys wine in process
- Insecticides used on grape crops drift on to neighboring properties
- Contamination and product recalls
- Winemaking equipment or agricultural equipment breakdown
- Extreme weather or natural disasters
- Wildfires, insect infestation, and plant diseases
Even stored wine just sitting in the cellar comes with its own risks, like:
- Spillage or leakage
- Fire
- Theft or vandalism
- Utility or refrigeration outages
- Supply chain or logistics problems and delays
- Transportation and trucking exposures, from poorly trained drivers, to accidents and truck refrigeration breakdown
Wineries Need Coverage For Every Area of Their Business
To fully protect your winery, you’ll need a customized package of property, liability, automobile, crime, liquor liability, and other policies — a little of this, some of that, and so on.
Some coverages to be considered
- Property
- Umbrella & Excess Casualty
- Workers Compensation
- Accident & Health Solutions
- Crime/Financial Fidelity
- Cyber
- Builder’s Risk
- Commercial Auto
- Commercial Package (CMP)
- Environmental
- Equipment Breakdown
- Marine
- Directors & Officers Liability
- Employment Practices Liability
- Errors & Omissions Liability
- Fiduciary Liability
- Kidnap Ransom & Extortion
- Media Liability
Our team can help you understand the unique risks and needs of your winery business and help find the right combination of coverage.
Don’t wait until you file a claim to find out if you have the proper insurance protection for your winery or vineyard. Talk to us today to know how to keep your winery protected