For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!
As a vineyard and winery owner, it’s important for you to understand that your business isn’t just about growing grapes and brewing delicious wine. There are many exposures associated with running a vineyard or wine business - workplace accidents, employee injuries, and lawsuits filed by third parties.
Such exposures will cause significant financial losses. It’s essential you get tailored insurance for wineries and vineyards. The features of vineyard and winery insurance policies vary from carrier to carrier. That said, read this guide to know how this insurance works. You’ll also know the cost of premiums and the best carriers.
Insurance companies make general liability insurance a primary inclusion in their specialized coverage for wineries. General liability insurance will shield your business against the following perils:
Third-party personal injury claims-Vendors, clients, and other third parties will sustain injuries due to your business operations. When such individuals decide to file a claim against your winery, general liability insurance will cover medical expenses
Third-party property damage-Your winery’s business operations can destroy the properties of customers, visitors, vendors, and other third parties. And so, the language of general liability insurance specifically states that the insurance will cover reimbursements for damaged properties on your behalf if aggrieved parties file a claim
Legal expenses-General liability insurance also takes care of attorney fees, administrative costs, settlements, and other related expenses
Similar to the GL of liquor stores and bartenders, the general liability insurance for your business can have the following optional inclusions:
Rented premises liability coverage-Rented premises liability coverage will reimburse the landlord if the space you’re renting or leasing for your winery becomes damaged due to fire
Advertising injury coverage-Advertising injury coverage will cover attorney fees, settlements, administrative costs, and other legal expenses if a third party sues your winery for slander, libel, copyright infringement, and other types of advertising or reputational harm
Products and completed operations coverage-If your winery’s completed service caused personal injuries or property damage to a client, products and completed operations will cover attorney fees, settlements, administrative costs, and other legal expenses on your behalf
Understand that general liability insurance will not take care of personal injury claims or property damage claims filed by employees, directors, and other related entities against your business.
Every winery uses costly equipment to run its operations. This is why you need an equipment breakdown insurance policy that protects against costs associated with the accidental and sudden breakdown of equipment and machinery. This insurance coverage pays to replace or repair damaged equipment and machinery.
Besides, it covers any wine business interruption costs that come with equipment breakdown. Without insurance cover, your winery business could suffer significant losses that could lead to bankruptcy. Therefore, you must get comprehensive winery insurance for your business.
It is not new to experience contaminated or spoiled wine at a winery. Contamination and spoilage insurance is vital for any winery because it covers such cases. It helps limit losses if a batch of wine is contaminated or spoiled.
The contamination could be due to employee negligence, infestation, or other unforeseen circumstances. Cases of wine contamination can result in huge losses for your business. Luckily, you can avoid such financial misfortunes by getting this type of winery insurance.
Any business establishment that sells or manufactures alcoholic drinks needs liquor liability insurance. With this, you will be able to protect yourself against third-party liability.
For instance, if you sell alcohol to a customer who later causes an accident due to intoxication, you could be liable for damages. Liquor liability insurance covers such a case and helps you pay for medical expenses and other costs.
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Vineyards are significant investments that come with a wide range of risks. As a vineyard owner, you know what is likely to go wrong and what can cause devastating financial losses. Therefore, you must protect your business with insurance for vineyards. A typical vineyard insurance has the following inclusions:
General liability insurance provides coverage for medical expenses in personal injury claims and reimbursements in property damage claims. Additionally, vineyard general liability insurance also has optional rented premises liability coverage, products and completed operations coverage, and advertising injury coverage.
Vineyards grow grapes that are vulnerable to various risks. For instance, mother nature can be a friend or foe. Nature provides your vineyard with rain, warmth, and sunlight. Mother nature can also turn wild and cause devastating damage to your vineyard. This could be through adverse weather conditions like floods, hailstorms, and droughts. In addition, disease and insects can also wipe out the grapes in your vineyard within a short time. To protect your vineyard against such cases, you should get comprehensive crop insurance. This will go a long way in saving you money.
A vineyard requires various equipment. When this equipment breaks down, operations at your vineyard could come to a halt. It would help if you had machinery like harvesters and tractors to manage a vineyard effectively. This equipment is also costly. With an equipment breakdown insurance policy, the repair costs are covered. This saves your business a lot of money.
Running a vineyard and a winery means that you have an office and a storage facility. You need to cover such business assets through commercial property insurance. Commercial property insurance provides the following:
Building damage-If the storage facility, office, or any other building of your winery and vineyard becomes damaged due to fire, theft, vandalism, extreme weather, and other covered perils, commercial property insurance will cover repair expenses
Building destruction-You can use commercial property insurance to pay for reconstruction expenses if fire or extreme weather causes the complete destruction of your vineyard and winery’s building
Just like bar and brewery commercial property insurance, commercial property insurance for vineyards and wineries provides the following additional coverages:
Stocks and contents coverage-It will be very troublesome if the grapes, processed wines, and valuable items inside the storage facility or office become lost or damaged due to fire, theft, vandalism, and other covered perils. Stocks and contents coverage will recoup losses if ever you experience such an exposure
Business equipment and tools coverage-Equipment and tools coverage will cover losses if equipment, machines, or tools integral for business operations become lost or damaged within the business premises due to fire, theft, vandalism, and other covered perils
Commercial property insurance doesn’t protect your business property against floods, mudslides, and earthquakes. You need endorsements to be shielded against these perils.
Full-time employees, part-time employees, or contractors might experience a work-related accident. It’s also possible for them to contract a disease due to work. This is why it's smart to get workers' compensation insurance to avoid incurring losses in case employees demand help from your business. By having workers' compensation insurance, you can easily cover the following:
Medical treatment/procedure- An employee will sustain cuts, burns, lacerations, and muscle overuse injuries. If not injuries, then he or she will suffer from a disease due to the frequent exposure to harmful chemical substances used in growing grapes or processing wine. Workers' compensation insurance can help with this. If an employee becomes sick or injured, workers' compensation insurance provides the money your business can use to cover surgeries, therapies, and other medical treatments/procedures
Hospitalization-Workers compensation insurance sees to it that your employee can get hospitalized without spending a lot of money by covering the hospital bills regardless of how long the stay will be
Medication-You can use workers compensation insurance to cover the cost of medicines the attending physician requests your sick or injured employee to buy
Rehabilitation-Workers compensation insurance will help an employee pay for expenses if rehabilitation is required to fully recover from a work-related injury or disease. Things covered are therapist fees, rehabilitation equipment, and other related costs
Lost income compensation-Workers compensation assumes the responsibility of covering lost wages if your vineyard and winery business’s employee can’t work due to a job-related injury or disease. Coverage for lost wages is a weekly allowance equal to two-thirds or 67% of the average weekly wage
Death benefits - If your employee dies due to a work-related injury or disease, workers' compensation insurance will cover funeral expenses and provide an allowance to dependents
Commercial auto insurance is a coverage for the vehicles your vineyard and winery business is using to haul raw materials and deliver finished products. The following are the common coverages in commercial auto insurance:
Auto liability coverage-Your business must provide coverage if its commercial vehicle causes an accident wherein third parties sustained injuries or property damage. Auto liability coverage takes care of this problem. This will cover the medical expenses of injured third parties and reimburse those who had their property damaged by your business’s vehicle
Physical damage coverage-Physical damage coverage will kick in if your business’s commercial vehicle incurs damage. This is available in two forms-collision and comprehensive. The job of collision physical damage coverage is to cover expenses if your business’s vehicle got damaged after crashing into an object or another vehicle. On the other hand, the job of comprehensive physical damage coverage is to cover expenses if your business’s vehicle got damaged because of fire, theft, vandalism, hail, windstorm, and other covered perils
Rental reimbursement coverage-If you need to rent or lease another commercial vehicle because the one your business owns is getting repaired by a mechanic, rental reimbursement coverage will recoup your expenditures
Medical payments/personal injury protection-Medical payments coverage takes care of funeral or medical expenses if your commercial vehicle gets involved or causes an accident that results in injuries to the driver and passengers. Personal injury protection functions the same way but will also cover after-hospital visits, lost wages, medication, and more
Premises pollution liability insurance takes care of expenses if a vineyard or winery causes a chemical spill or any other incident that affects the environment and community members. Particular costs covered are:
Settlements for bodily injuries and property damage due to the chemical spill or other similar incident
Cleanup expenses
Public relations expenses
Emergency response costs
Crisis management costs
Lost revenues
Product liability insurance for vineyards and wineries will cover attorney fees, settlements, and other legal expenses if a delivered product has:
Manufacturing defects
Errors in design
Errors in labeling
Aside from product liability insurance, it’s smart if you decide to get product recall insurance. Sometimes, third parties might not sue to recover losses but instead force your business to receive a product it has delivered. Product recall insurance covers the following:
Labor and transportation costs
Public relations expenses
Lost gross profits
Expenses for covering bodily injuries or property damage
Employment practices liability insurance will cover attorney fees, administrative costs, settlements, and other legal expenses if an employee sues your business for sexual harassment, wrongful termination, exploitation, discrimination, and other violations of employee rights.
Employer’s liability insurance will cover compensatory payments, lawyer fees, administrative costs, and other legal expenses if an employee sues your business for negligence after experiencing a work-related injury or disease. You don’t need to get this one if you have workers' compensation insurance and operate in a state that provides an exclusive remedy to employers.
An employee can commit a crime. Such crime will result in significant financial losses even if discovered early. This is why you should consider getting employee dishonesty insurance. Employee dishonesty insurance will recoup losses if an employee or a group of employees commit the following:
Social engineering
Theft
Destruction of money and other securities
Unauthorized use of credit cards
Fraudulent refunds
Other related offenses
The average vineyard insurance cost is $43.21 per month for a $1 million general liability insurance. You can also choose to pay an average annual fee of $518.52. It is essential to note that several factors influence the cost of vineyard insurance. For instance, the size of your vineyard business determines the cost of your policy. Similarly, the location your vineyard is based could increase or reduce what you pay for vineyard insurance.
The average winery insurance cost is about $41 per month. Alternatively, you can choose to pay $492 annually. It is important to note that several factors influence the cost of winery insurance.
For example, the location and size of your winery will affect premiums. Besides, the amount of exposure your winery has to wildfires, earthquakes, and windstorms could influence the insurance cost. Some insurance companies also consider how your winery is managed, including fire detection and security measures.
Here’s a table showing the rates of the best vineyard and winery insurance companies:
Cost per Month | Cost per Year | Best for | |
---|---|---|---|
NEXT | $35 | $420 | Best overall; Fastest general liability insurance for wineries |
CoverWallet | $39 | $468 | Winery business insurance quotes comparison online |
Chubb | $45.71 | $548.52 | Mid-sized vineyard and winery businesses |
Travelers | Travelers doesn’t state the average price of its general liability insurance for vineyards and wineries | Travelers doesn’t state the average price of its general liability insurance for vineyards and wineries | Tailored vineyard and winery insurance with endorsements |
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Here are the best carriers of winery and vineyard insurance. Read the reviews below to know their pros, cons, and monthly rate for a $1 million general liability coverage.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for wineries
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
NEXT doesn’t have a winery insurance program. However, it might grant coverage through its insurance program for wine and distilled beverage wholesalers. Policies you can avail from NEXT are general liability, commercial property, workers' compensation, commercial auto insurance, and more.
Best for: Best overall; Fastest general liability insurance for wineries
Average cost: $35 per month
Our rating: 10/10
Manage insurance online
Add clients or landlords as additional insureds
Commercial auto insurance has rented/hired auto coverage
Provides specialized coverage for certified acts of terrorism
Get a quote and purchase insurance online
Doesn’t underwrite its own coverage for wineries
Doesn’t cover vineyards
CoverWallet provides coverage for wineries through its craft brewery and winery insurance. This tailored insurance plan is available as a general liability only policy, a policy consisting of general liability and commercial property insurance, a BOP with a workers compensation insurance, or a custom plan.
This insurance broker also has an online quotes comparison platform you can use to find other companies selling tailored coverage for wineries. All that you have to do is provide basic business information and CoverWallet’s platform will then do the job of searching for the best options.
Best for: Winery business insurance quotes comparison online
Average cost: $39 per month
Our rating: 10/10
Has environmental damage coverage for wineries and vineyards
Provides coverage for wineries and vineyards with more than $1 million revenue
Underwrites international insurance solutions
No online quotes for vineyards and wineries
Chubb provides coverage for still wineries, sparkling wineries, and vineyards operated by contractors. Property and casualty insurance available are commercial property insurance, equipment breakdown insurance, marine insurance, cargo insurance, workers compensation insurance, and excess liability insurance. Liability insurance solutions available are D&O liability insurance, general liability insurance, errors and omissions insurance, cyber liability insurance, and fiduciary liability insurance. Chubb provides online quotes. However, vineyards and wineries must talk with a Chubb agent to get an estimate of premiums.
Best for: Mid-sized vineyard and winery businesses
Average cost: $45.71 per month
Our rating: 9/10
Responsive to claims
Travelers agents work closely with clients to create the most comprehensive business insurance policy
No online quotes
Travelers vineyard and winery insurance offers general liability, cyber liability, and premises pollution liability insurance. The company provides further protection through the following endorsements:
Liquor liability
Orchard and vineyard property endorsement
Personal liability
Vineyard manager’s program
Winery property endorsement
Best for: Tailored vineyard and winery insurance with endorsements
Average: Travelers doesn’t state the average price of its general liability insurance for vineyard and wineries
Our rating: 8/10
Comparing quotes is the best way for you to have an informed purchase. Click the “Get Quotes” button on this page. Look at the rates and features of the companies that offer the best winery and vineyard insurance services in America.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
It really can't get any better than this... wow
Very good experience
Terrific experience with their construction business insurance! 10/10! Thank you!