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Winery & Vineyard Insurance

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TMW Insurance Group/ winery vineyard insurance

Winery & Vineyard Insurance Provided By Our Agency

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.

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General liability
Crop coverage
Commercial Auto
Business Interruption
Equipment breakdown

General liability coverage

Risk Factors

If a customer is injured while on your business premises, your winery could be responsible for all related damages and expenses.

Solution

General liability coverage protects you from unexpected events, hazards, problems and accidents. It’s particularly important if your winery offers public tours and tasting events.

Crop coverage

Risk Factors

Without viable grapes, you can’t make wine. Wineries need crop insurance for the costs of crop damage due to weather, vine infections, insect infestations, fires, floods, and other potential hazards.

Solution

Crop coverage will cover all your above perils. However, You may need to purchase additional earthquake coverage if you live in an area where it’s necessary.

Commercial auto coverage

Risk Factors

If your winery uses personal, company or rented vehicles for business purposes then you need commercial auto coverage.

Solution

Maybe you deliver products, visit with customers to assist their needs, or travel to industry events. If you or any of your employees are involved in an auto accident, commercial auto insurance can take care of the vehicle damages and related medical expenses.

Business Interruption coverage

Risk Factors

Business interruption insurance is important when it may take some time before a business can get back to business as usual. This can be as a result of unexpected events like fire.

Solution

Buildings may be unsafe, employees may be unsafe, or even property or equipment may need to be repaired. In situations outside of your control, business interruption insurance is an important need for the business.

Equipment breakdown Coverage

Risk Factors

You can face a sudden breakdown of your equipment which halts your wine production. This can reduce the supply and incur a loss.

Solution

Wineries need equipment breakdown coverage to protect against costs associated with the sudden and accidental breakdown of machinery and equipment. It pays to repair or replace the equipment, as well as any business interruption costs that accompany it.

Common risks Wineries & Vineyards 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.

Biggest risk concerns Wineries & Vineyards face

  • 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 the process
  • Insecticides used on grape crops drift onto 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

Why You May Need Winery & Vineyard Insurance

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!

Already have Winery & Vineyard Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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