Winery Insurance

Specialized protection for all aspects of your business.
Winery Insurance

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As an independent business owners insurance agency, we are here to help you find the right Business Owners Insurance coverage.

Winery insurance to protect your business and assets.

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

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Winery Insurance

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 Winery Insurance coverage.

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As an independent agency, we are here to help you find the right coverage.
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Medical Payments Coverage and Personal Injury Protection

Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it’s not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Solution

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it’s important to understand what’s required where you live.

Note: Actual policies must be consulted for specific terms and conditions.

Rental Coverage / Loss of Use

Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Solution

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Note: Actual policies must be consulted for specific terms and conditions.

Bodily Injury Liability Coverage

Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Solution

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Note: Actual policies must be consulted for specific terms and conditions.

Physical Damage Coverage

Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Solution

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Note: Actual policies must be consulted for specific terms and conditions.

Property Damage Coverage

Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else’s property. The amount required, if any, can vary by state.

Solution

The property damage portion of your auto insurance policy protects you if your car damages someone else’s property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Note: Actual policies must be consulted for specific terms and conditions.

Uninsured / Underinsured Motorist Damage Coverage

Risk Factor

What happens when the driver who hit you doesn’t have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Solution

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Note: Actual policies must be consulted for specific terms and conditions.

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