Insurance companies underwrite wine business insurance for liquor stores, wineries, bars and other businesses that sell wine. This isn’t one insurance product but is a bundle of different policies such as general liability, commercial property, workers comp, and others.
|Per occurrence limit||$1,000,000||$1,000,000||$300,000/$2,000,000||$1,000,000/$2,000,000|
|Products and completed operations aggregate limit|
|Advertising injury coverage aggregate limit||$1,000,000||$1,000,000||$1,000,000||$1,000,000|
|Tenant’s legal liability coverage limit|
|Liquor liability insurance included?||Excluded||Yes||Excluded||Excluded|
|Waiver of subrogation included?||Excluded||No||Excluded||Excluded|
|Hired/non-owned auto liability coverage included?||Excluded||No||Excluded||Excluded|
|Equipment breakdown floater included?||No||Yes||Excluded||No|
|Can you get a certificate of insurance online?||Yes||Yes||Yes||Yes|
|Name additional insureds?||Yes||Yes||Yes||Yes|
A general liability policy is a type of wine business insurance that suits the needs of wine manufacturing and retailing ventures that admit people into their premises, such as wine stores, wine bars, or wine manufacturing facilities. Use the table above to compare the wine business liability insurance of companies we recommend.
General liability insurance is very important for wine businesses, as the risk of accidents is very high. Wine is an alcoholic substance. And it’s proven that the consumption of alcohol is highly associated with unintentional falls in young and middle-aged adults.
Wine businesses can have legal liability if patrons, visitors, independent contractors, and other third parties sustain property damage or bodily injuries while in the premises. General liability insurance takes care of this exposure.
Here are some concrete situations where the general liability policy of wine bar, wine store, and wine shop insurance comes in handy:
A customer slips and falls on the floor and sustains injuries
A wine business has a dance floor. The customer fell and sustained injuries
The seat of a wine bar snagged a guest’s dress. It got torn and the guest demands a reimbursement
A civil commotion breaks out. People got injured and they want your business to cover medical treatment expenses
When third parties file a claim for bodily injuries or property damage, general liability insurance covers these expenses:
Remuneration for the damaged property
Attorney fees, court filing fees, and other legal expenses
Similar to the general liability insurance for liquor stores and breweries, the general liability insurance for wine shops, stores, bars, and other wine businesses offers these additional coverages:
Slander, libel, and copyright infringement coverage
Tenant’s legal liability coverage
Hired/non-owned auto liability coverage
As a wine business, public liability insurance policy is fundamental. This policy covers a wide range of claims arising from third parties. For instance, if a bartender drops a bottle of wine and it shatters on the floor causing injuries through falls and slips, you could be held liable. Such injuries tend to be severe and demand urgent medical attention.
Since you are required by law to cover all the medical expenses that occurred on your business premises, the victim could sue your business for damages. This is more likely, especially if they sustain serious injuries that permanently affect their quality of life. If found liable, you will have to pay for the settlement. Your business could lose a lot of money. But with public liability insurance for wine businesses, you don’t need to worry about the resulting expenses
Product liability insurance is another important policy for your wine business. Given that customers directly consume the product you make, the risk of product liability is high. In case you sell contaminated wine and end up affecting the health of your customers, you may face costly lawsuits. Furthermore, if there are unwanted objects in your wine, like dirty particles, you risk losing a lot of money.
|Per occurrence limit||$1,000,000||$1,000,000||$1,000,000|
|Name additional insureds?||Yes||Yes||Yes|
|Waiver of subrogation included?||Yes||No||Can be included|
Wine businesses aren’t only limited to shops and stores. There are also professionals involved with wine, particularly wine bartenders/sommeliers and vintners.
Suppose you’re one of these professionals or you own a wine store employing these, then consider getting professional liability insurance. Use the table above to compare the professional liability insurance of companies we recommend.
Professional liability insurance grants coverage if you or an employee of your wine business creates a mess while providing a service. This policy included in wine store, wine shop, and wine bar insurance covers claims for:
Violation of good faith
Violation of fair dealing
Breach of contract
Note that in rare cases, professional liability insurance can also cover claims for slander, libel, and copyright infringement.
Wine when consumed in large quantities can result in intoxication or drunkenness. Your wine business is responsible if a drunk patron injures himself or herself.
This isn’t far from happening as alcoholic substances are proven to increase the likelihood of self harm and even suicide.
Aside from general liability and professional liability, you also need liquor liability insurance.
This takes care of medical treatment, property damage reimbursement, and legal costs if a drunk guest injures himself. Liquor liability insurance can also sort things out if other customers sue your business after getting assaulted by a drunk patron.
Get all the best quotes from leading providers in a click of a button!
|Building coverage limit (minimum)||$50,000||$80,000||$25,000|
|Contents coverage limit (minimum)||$50,000||$22,000||$25,000|
|Money and securities||Excluded||$2,500||Included|
|Lock and keys||Excluded||$2,500||Excluded|
|Business interruption floater||Excluded||Included||Included|
|Equipment breakdown floater||Excluded||Included||Excluded|
|Inland marine insurance floater||Excluded||Excluded||Excluded|
|Employee dishonesty floater||Excluded||$5,000||Included|
Commercial property insurance covers your wine business’s store, office, or any other physical location. Aside from the building, valuable papers and records, inventory, stocks, and business equipment are also covered.
Commercial property insurance will reimburse losses if the contents or your wine business’s building gets damaged or destroyed because of fire, theft, vandalism, lightning, weather, aircraft, vehicles, and other covered perils. Use the table above to compare the quotes of commercial property insurance.
In some cases, you could be forced to close your wine business due to different reasons. During this time, your income will be halted. A business interruption insurance policy ensures that your income is steady even when your wine business is temporarily closed. Remember that business interruption insurance only applies for businesses forced to close down for the laid out reasons as per the policy terms.
For instance, if the building your wine business is located in is scheduled to undergo a renovation that takes around two months, the business interruption insurance policy covers it. This is important because the policy pays your income during that period. You will be able to carry on and avoid losses.
|General liability aggregate limit||$2,000,000||$2,000,000||$300,000/$2,000,000|
|Commercial property coverage limit||$50,000||$260,000||$25,000|
|Optional policies can be added?||Yes||Yes||Yes|
|Name additional insureds for free?||Yes||Yes||Yes|
A business owner’s policy provides the best value for money. This type of wine business is a result of combining general liability insurance and commercial property insurance into one policy that’s cheaper and easier to manage. Use the table above to compare the business owner’s policy of insurance companies we recommend.
Like any other business, your wine business faces the risk of theft and looting. Most wine businesses have valuable products that make them a target for thugs and looters. You can imagine how devastating it is to wake up to a vandalized wine shop with almost every valuable product gone. This can be a devastating financial blow that puts your business on edge. Without insurance coverage, you will have to find a way of recovering from such cases by yourself.
Spending money from your pocket to replace stolen products could leave you in a bad financial position. However, getting crime and theft insurance assures you that this won’t happen. It grants a reimbursement for the value of stolen items. This goes a long way in saving your business money.
This is a special insurance policy that covers wine in transit. For instance, if you deliver wine to a distant location, this policy protects against damage or theft. If something happens to the wine in transit, you will be covered against losses.
You can imagine how much you would lose if a truck full of wine bottles overturned and spilled all of them. Recovering from such losses could take a long time. Thankfully, wine business insurance covers such cases. This goes a long way in saving your business money.
If your wine business has an online marketplace, cyber insurance is vital for it. Hackers could target your payment system and get away with lots of money. This could leave you in financial ruin, especially if you depend on the online marketplace to make sales. A comprehensive wine store insurance policy offering cyber insurance covers such cases and helps you recover your money. This keeps your business afloat and prevents bankruptcy.
Some wine businesses aren’t a one-man show. If you hire people as full-time or part-time employees, it’s important to get workers compensation insurance. When a work-related accident happens and an employee sustains an injury or illness, workers compensation insurance will cover the expenses for medical expenses, hospitalization, medication, and others.
|Cost per Month||Cost per Year||Deductible|
|General liability insurance||$40||$480||$0-$500|
|Professional liability insurance||$45||$540||$500-$1,000|
|Product liability insurance||Cost usually added to general liability insurance||Cost usually added to general liability insurance||$500|
|Liquor liability insurance||Cost usually added to general liability insurance||Cost usually added to general liability insurance||$500|
|Commercial property insurance||$50||$600||$1,000-$2,500|
|Business owner’s policy||$90||$1,080||$500-$1,000|
|Workers compensation insurance||$100||$1,200||$2,000-$5,000|
|Inland marine insurance||$59||$708||$1,500|
|Crime and theft insurance||$43||$516||$1,000|
|Cyber liability insurance||$53||$636||$1,000|
The average wine business insurance cost is $40 per month or $480 per year for a $1 million general liability policy. Factors that determine premiums are:
Policy limits and deductibles
Number of employees
Annual revenue and payroll
Here’s another table that shows the cost of a $1 million general liability policy from the companies that offer comprehensive wine business insurance programs:
|Cost per Month||Cost per Year||Best for|
|NEXT||$31||$372||Best overall; Fastest wine business liability insurance|
|CoverWallet||$35||$420||Comparing wine business insurance quotes online|
|Hiscox||$37||$444||Wine business insurance with automatic policy renewal|
|Travelers||$41||$492||Wine business insurance package with numerous endorsements|
Get all the best quotes from leading providers in a click of a button!
It’s good to get an idea of the best options before getting wine business insurance. By doing so, you avoid getting insured by a company that’s only out for your money. These are the best companies to consider working with. Read to know their pros, cons, and cost of a $1 million general liability insurance.
Get an online proof of insurance and send as a text message, email, or social media post
Fastest wine business liability insurance
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 offers wine business insurance in partnership with Tivly. You can get covered from this company if you own a wine manufacturing facility or a wine retail store.
Buying insurance from NEXT is quick as it offers pre-made insurance packages for its customers. You have three to choose from-basic, deluxe, and premiere. Here’s a quick summary of these insurance packages:
Basic-Only made out of general liability insurance with a product liability coverage and liquor liability coverage. The per occurrence and aggregate limit is $1 million
Premiere-This offers $1 million general liability insurance with add-ons, $80,000 commercial property insurance, and $25,000 employee lawsuits coverage
Deluxe-This is NEXT’s most comprehensive insurance package. You’ll get $1 million general liability, $80,000 commercial property insurance, $25,000 employee lawsuits coverage, and $10,000 utilities interruption coverage from this
Best for: Best overall; Fastest wine business liability insurance
Average cost: $31 per month
Our rating: 10/10
Compare wine business insurance quotes online
Cancel a coverage anytime
Easy online policy management
Not an insurance company but an insurance broker
CoverWallet is an insurance broker who can create a wine business insurance package made out of the policies of its partners. Your general liability insurance from CoverWallet will have a $1 million per occurrence limit and $2 million aggregate limit. Other policies available if you call a representative are commercial property, commercial auto, liquor liability insurance, and more.
Best for: Comparing wine business insurance quotes online
Average cost: $35 per month
Our rating: 10/10
Policy bundle discounts
Get covered online or with the help of an agent
Automatic policy renewal
You might be referred to a partner
Hiscox only covers wine stores. Therefore, if you own a winery, then this company might not be able to provide coverage. Note that depending on your location, Hiscox might request you to get in touch with Insureon.
Best for: Wine business insurance with automatic policy renewal
Average cost: $37 per month
Our rating: 9/10
Covers numerous types of wine businesses
You can’t get a quote online
Travelers wine business insurance is available if you’re a:
Virtual winery business
Winery business that constantly hold product launches
Though the information about its insurance package is very limited, it’s sure that Travelers offers general liability insurance for your business. Endorsements to your basic insurance plan are liquor liability, property insurance, personal liability insurance, and vineyard manager’s coverage.
Best for: Wine business insurance package with numerous endorsements
Average cost: $41 per month
Our rating: 9/10
Lonnie Bell Insuranker
Policy Type: Business Insurance
Company name: Employers Insurance
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
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!