Owning a winery or vineyard is a dream come true for many, but with that dream comes a lot of hard work, investment, and risk.
That's where we come in - we're here to help protect your investment and ensure that your business can thrive even in the face of unexpected challenges. At Our Insurance Company, we understand the unique needs of wineries and vineyards, and we offer specialized insurance policies designed to meet those needs.
Our comprehensive coverage includes the following
Property Insurance Our property insurance covers not just the buildings on your property but also the contents inside, including equipment, inventory, and other valuable assets.
General Liability Insurance Accidents can happen anywhere, and in the winery business, they can be particularly costly. General liability insurance provides coverage for bodily injury and property damage that occur on your property or as a result of your business operations.
Product Liability Insurance As a winery or vineyard owner, you are responsible for the safety and quality of the products you sell. Product liability insurance protects you against claims of injury or illness caused by your products.
Business Interruption Insurance If your business is forced to shut down due to a covered loss, such as a fire or storm damage, business interruption insurance can help cover the costs of lost income and ongoing expenses.
Crop Insurance The success of your business relies on the quality of your crops. Crop insurance provides coverage for crop loss or damage due to weather events, pests, and other unforeseen circumstances.
Workers' Compensation Insurance If you have employees, workers' compensation insurance is a legal requirement in most states. This coverage provides benefits to employees who are injured on the job, including medical expenses and lost wages.
Cyber Liability Insurance In today's digital age, cyber-attacks are a growing threat to businesses of all types, including wineries and vineyards. Cyber liability insurance provides coverage for losses resulting from data breaches, cyber-attacks, and other cyber-related incidents.
Click And Learn
General liability
Crop coverage
Commercial Auto
Business Interruption
Equipment breakdown
General liability coverage
Risk Factors
Your winery could be responsible for all related damages and expenses if a customer is injured while on your business premises.
Solution
General liability coverage protects you from unexpected events, hazards, problems, and accidents. It’s imperative 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
You need commercial auto coverage if your winery uses personal, company, or rented vehicles for business purposes.
Solution
Maybe you deliver products, visit customers to assist their needs or travel to industry events. Commercial auto insurance can take care of the vehicle damages and related medical expenses if you or any of your employees are involved in an auto accident.
Business Interruption coverage
Risk Factors
Business interruption insurance is essential when it may take some time before a business can get back to business. This can be 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 crucial 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.
At Our Insurance Company, we are committed to helping winery and vineyard owners protect their businesses and investments. Contact us today to learn more about our specialized insurance policies and how we can help safeguard your business.
