Winery Insurance

Wineries are unique because they have elements of multiple business types, including agriculture, manufacturing, retail, and entertainment, all of which require specialized coverage.

Your insurance should be as unique as the wine you make

Protecting your winery at every level can be complicated because of the many risk exposures your business faces. Having an insurer who understands the operation of wineries and the specific risks involved can make all the difference to ensure proper coverage and avoiding gaps in your policy.

Increased risks for wineries operating on one plot of land

A majority of wineries grow, produce, store, and sell their wine on the same plot of land, which opens them up to even more risks should something happen, such as a fire or vandalism. And on top of that, some winery owners live on the property as well, which requires personal liability insurance. Fortunately, there are many coverage options to protect your winery, which include:

Crop Insurance

Vine and Trellis Coverage

Product Recall

Equipment Breakdown

Contamination and Spoilage

Liquor Liability

Special Event Insurance

Crime Coverage

Farm Liability

Inland Marine

The importance of liquor liability coverage

It is important to understand the risks involved, especially for wineries that are open to the public for wine tasting and other special events, where it is essential to have liquor liability insurance. For example, if someone is over-served alcohol and goes on to cause injuries or property damage, this would cover you against potential lawsuits, which can be expensive to defend against such claims.

Insurance for the business side of winemaking

Another integral part of wineries include the production and manufacturing of wine, as well as the losses associated with that process. From the loss of crops to equipment breakdown, storage, transportation, and spoilage, all of these risks should be accounted for in your winery insurance policy. In addition to the specialized coverages, at the end of the day, a winery is a business. As such, it also requires more generalized business insurance coverages, including workers' compensation, general liability, cyber liability, and business auto.

To learn more about how specialized insurance can benefit your winery, Reach out to our team when you are ready to review options.

Request a winery quote to get started.