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Winery Insurance

Specialized coverage for all aspects of your business.

 

Winery insurance for your business needs.

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.

Getting adequate insurance for your brewery can feel like an overwhelming process, but a specialty policy can take the stress out of the situation. The key is choosing an insurer that understands the specific needs and risks you face and then offers a complete, customized package. You also need to remember some elements that are easy to overlook.

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 help protect your winery, which include:

 

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The importance of liquor liability coverage.

It’s 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, contact us today.

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As an independent agency, we are here to help you find the right coverage.

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Cyber Liability

Risk Factor
Just about all businesses rely on technology in some way; it’s increasingly used to store sensitive information, such as credit cards, passwords, and social security numbers. However, you’re at risk if this information is lost, stolen, or compromised. In fact, you may even be legally obligated to alert those impacted by the breach and possibly pay for any financial loss incurred.
Solution
Experiencing a data breach is often not a question of if but when. Securing a cyber liability policy can offer coverage for expenses associated with compliance regarding data breach notification laws, securing legal counsel to advise on incident response, credit monitoring services, and paying for regulatory defense, as well as penalties arising from privacy law violations.

Liquor Liability

Risk Factor
Any establishment that sells, serves, or assists in the purchase or use of liquor is open to a liability claim as a consequence of someone getting inebriated to the extent that injuries or property damage result.
Solution
If you are in the business of selling or serving alcohol, it is critical that you protect yourself from potential financial losses by obtaining a liquor liability insurance policy. Having the right policy in place could help cover your legal costs, court fees, and any civil or criminal damages stemming from an incident involving liquor.

General Liability

Risk Factor

Businesses are susceptible to many risks, such as claims due to bodily injury, property damage, personal injury, and more.

Solution

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Special Events

Risk Factor

Breweries often participate in numerous events throughout the year. Many insurance policies contain what’s known as a designated premises endorsement. At a high level, this limits coverage to the premise named on the policy (the brewery). Participating in Craft Beer Expo or 5k Fun Run? Liability associated with events like those may not be covered.

Solution

Make sure you have coverage that extends to any events in which you wish to participate.

Outdoor Vine and Trellis Coverage

Risk Factor

Damage to vines and trellises can hinder production of your wines, resulting in in loss of product and revenue.

Solution

Outdoor vine and trellis coverage protects against losses associated with wind, fire, vandalism, vehicles, and aircraft damage that threaten the growth of the grapes.

Business Income / Business Interruption

Risk Factor

Your business relies on nature and the outdoors, but nature is unpredictable and fickle. All it takes is a nasty storm to flood your rivers or an equipment malfunction on your ziplines before your business has to shut down for a few hours or more. Every minute you’re shut down means lost revenue for you.

Solution

Business interruption insurance compensates you for lost income if your business cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. This type of insurance covers the revenue you would have earned based on your financial records, had the incident not occurred. The policy also covers continuing operating expenses such as rent, electricity, and ordinary payroll.

Contamination and Spoilage

Risk Factor

If a batch of wine is spoiled or contaminated due to a refrigeration breakdown, utility interruption, or some other type of foreign substance, a winery has much to lose, including the loss of product and subsequent revenue.

Solution

Seek coverage for contamination and spoilage to help offset the costs associated with these events.

Product Recall

Risk Factor

Every manufacturer, including distilleries, faces the possibility that an issue can arise with a product after it has been distributed. The costs of dealing with a recall can add up, involving lost time, extra shipping costs, and lost revenue. Your reputation can also suffer because of a recall, adding even more strain to your distillery’s finances.

Solution

Having the proper product recall coverage in place can help your business prepare for the event of a product recall. This coverage can help cover the costs of removing the recalled product from the marketplace. Some policies even cover the costs associated with restoring your brand’s reputation, including things like advertising and promotions.

Crop Insurance

Risk Factor

Without viable grapes, you would be unable to produce wine. Therefore, protecting your grape harvest should be your first line of defense.

Solution

Wineries need crop insurance for the cost of crop damage due to weather, vine/insect infections, fires, floods, and other hazards.

Farm Liability

Risk Factor

A farm can be more than your place of business; it can also be your home. For this reason, you need to make sure that what you have worked to build is protected.

Solution

Farm liability insurance is designed to meet your farm’s unique needs, often including premises, operations, farm product, pollution, and other farm-specific liabilities.

Environmental Liability

Risk Factor

Environmental liability exposures are not just for oil companies, nuclear power plants, and industrial mining operations. Breweries have wastewater and waste management concerns. Depending on the location of the brewery, previous use of property may also be an issue.

Solution

Strict liability laws apply to the brewing industry. Court-ordered injunctions, fines, and cleanup costs can be crippling. Almost all commercial liability policies contain some type of pollution exclusion. Coverage exists for this exposure through a standalone policy.

Inland Marine Coverage

Risk Factor

Once the grapes have been harvested and the wines blended, make sure your valuable product is protected no matter where it is. Wine in transit also needs coverage for physical loss or damage.

Solution

Inland marine insurance for wineries protects against direct physical loss or damage to property or stock while it is being transported. Talk with your risk manager about different policies for wine that is stored on your property and wine that is stored offsite.

Workers’ Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper insurance coverage in place.

Solution

Maintain workers’ compensation insurance to provide benefits to eligible employees. Otherwise, you can be penalized for every day that coverage is not maintained, as well as for any benefits an employee would have been eligible for in the event of a job-related injury or sickness.

Equipment Breakdown

Risk Factor

While your homeowners policy covers a wide array of perils, such as damage caused by a fire or a falling tree, it doesn’t cover some common types of problems that can occur to the equipment in or around your home. For example, a sudden surge from the local power plant might damage appliances, HVAC systems, or your home power generator.

Solution

Add mechanical breakdown coverage to your homeowners policy. If you have multiple homes, it can be purchased for each one individually. Keep in mind that while it does protect against major events, it does not cover normal wear and tear.

Commercial Automobile

Risk Factor

Automobile exposures are significant, especially if you handle your own distribution. Bodily injury and property damage can put your business at significant financial risk.

Solution

Commercial auto insurance protects your fleet of trucks and any other vehicles owned by your winery. In addition, if employees drive personal vehicles for business use, you need hired and non-owned auto liability insurance.

Employment Practices Liability Insurance (EPLI)

Risk Factor

On average, it’s estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

Obtain employment practices liability insurance to protect your business and its directors, officers, and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.