Insurance for Wineries: What You Need, How to Get It

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Who needs winery insurance?
What risks does your wine business face?
- Winemaking equipment breaks down, stalling production and profits.
- A wine bottle sold by your winery explodes in a customer’s home, injuring them and damaging their property.
- A fermentation tank leaks, sending thousands of dollars of product down the drain.
- A neighboring farm sues after insecticide intended for your crops drifts onto its property.
- Harvested grapes are damaged in transit to the crushing facility.
What types of insurance do wineries need?
Type of insurance | What it pays for | Find a provider |
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Damage or injuries inflicted on a third party that are caused by your product or occur on your property. | ||
The cost to replace equipment, physical assets and structures damaged due to fire, vandalism or other covered events. Does not cover crops, harvested or otherwise. (Note: Can be combined with general liability insurance in a business owner’s policy.) | ||
Medical bills for employees and/or contractors who suffer a work-related illness or injury. Required in most states if you have at least one employee. | ||
Expenses resulting from an accident while driving a covered company vehicle, including medical expenses, property damage and legal costs. |
- Orchard and vineyard property endorsement: Covers damage and loss to vines, harvested grapes and related containers.
- Winery property endorsement: Covers spoilage, blending mistakes, packaging errors and other costs related to production and packaging of wine.
- Wine leakage and contamination coverage: Covers losses due to accidental leakage from tanks or barrels, as well as contamination from cork taint, oxidation or contact with substances not used in the winemaking process, such as cleaning solutions.
- Agricultural drift insurance: Covers legal costs and damage that arise when chemicals intended for your crops harm neighboring crops or animals due to error or nature (such as wind).
- Inland marine insurance: Covers business property moved over land or stored away from business premises.
- Liquor liability insurance: Covers claims of property damage and bodily injury caused by an intoxicated person to whom you served or sold alcohol.
- Equipment breakdown coverage: Covers financial losses and expenses related to sudden, accidental and unexpected equipment breakdowns.
How do you buy winery insurance?
1. Determine your coverage needs
2. Compare quotes and coverage limits
3. Buy coverage, keep it current
How much does winery insurance cost?
Read some of our reviews of popular business insurance companies: | ||
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