As a winery owner, you know there is much more to making fine wines than growing grapes. Viticulture, oenology, equipment management, staffing, marketing and insurance are all integral components of a sophisticated operation. Large or small, the risks confronted by vintners require custom insurance solutions.
Custom Coverage for
- Wineries
- Winery Property Endorsement
- Brands and Label expense
- Wine Leakage
- Wine Contamination
- Loss or damage to outdoor trees, plants and shrubs;
- Market Value for your wine
- Orchard and Vineyard Growers
- Property Endorsement
- Damage or loss to vines; $1,000 per vine
- Loss or damage to signs
- Transit coverage
- Harvested grapes and related packaging materials and containers
- Product Recall Expense Coverage
- Covers the expenses incurred for removing product from the market
- Vineyard Managers Program
- Expanded definition of chemical drift to include all farm management locations
- Standard Coverages
- Property
- Covers buildings utilized for processing and warehousing, offices and tasting rooms, as well as:
- Newly constructed buildings –
- Improvements and betterments
- Private power and light poles
- Outdoor radio and TV equipment
- Portable buildings and portable structures
- Scheduled property including wine products, barrels and equipment
- Primary coverage for borrowed, rented or leased vineyard equipment
- Theft of miscellaneous tools and equipment on or away from the insured premises
- Liability Coverages
- Comprehensive liability coverage for bodily injury and property damage
- Liability for personal injury and advertising injury
- Product Liability
- Fire Legal Liability
- Liquor Liability
- Chemical Drift for $25,000
- Personal Liability for sole proprietors
- Optional Coverages
- Wine while stored off premises
- Wine stored for others
- Special Events
- Equipment Breakdown
- High Valued Dwelling coverage
- Fine Arts
- Computer/Electronic Data Processing Equipment
- Business Income and Extra Expense
- Accounts Receivable
- Valuable Papers and Records
- Money and Securities
- Crime, Fidelity
- Directors & Officers
- Utilities Services
- Employee Practices
- Identity Fraud Expense
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