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Winery & Vineyard Insurance 

Winery & Vineyard Insurance By Altima Auto
Insurance Agency.

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Winery & Vineyard Insurance provided by Altima Auto Insurance Agency.

Given the shoestring budget on which many nonprofits operate, a single large and unexpected expense could lead to financial ruin. So, getting the right insurance to guard against the biggest (or baddest) risks is a wise move for nonprofits (and other businesses).

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General liability
Crop coverage
Commercial Auto
Contamination and spoilage
Business Interruption
Equipment breakdown

General Liability Coverage

Risk Factors

If a customer is injured while on your business premises, your winery could be responsible for all related damages and expenses

Solution

General liability coverage protects you from unexpected events, hazards, problems and accidents. It’s particularly important 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

If your winery uses personal, company or rented vehicles for business purposes then you need commercial auto coverage.




Solution

Maybe you deliver products, visit with customers to assist their needs, or travel to industry events. If you or any of your employees are involved in an auto accident, commercial auto insurance can take care of the vehicle damages and related medical expenses.

Contamination and spoilage coverage

Risk Factors

There can be a refrigerator or cold storage issue which results into wine contamination and spoilage. You stand liable for the loss.

Solution

A must-have for any winery, this coverage pays for certain losses if a batch of wine is spoiled or contaminated due to a refrigeration breakdown, utility interruption, or some other type of foreign substance

Business Interruption Coverage

Risk Factors

Similar to D&O coverage, professional liability coverage (also sometimes called “errors and omissions” or “malpractice” insurance) protect against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or sexual harassment.

Solution

It can help cover not only directors and officers but also staff, volunteers, and the nonprofit organization itself.




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.

Additional Living expenses Coverage

Risk Factors

When a washer hose bursts and floods your apartment, you must move out while your landlord makes repairs.

Solution

Additional living expenses coverage may help with the extra costs of housing and food if you’re forced to move out for temporary repairs to your residence.

Common risks Winery & Vineyard face

Wineries and vineyards are complicated businesses that can come with big rewards and no shortage of risks. You wear many hats in order to run your business—from farmer, to scientist, to marketer, and many more—yet so many things are simply out of your control.

You need winery insurance to protect you from the financial losses that can accompany damaged crops, spoiled wine, lawsuits, and other unforeseen events that can cost you everything.

Even a small winery must insure every step of the winemaking process. As you grow, harvest, ferment, bottle, and sell your wines, one unexpected problem can destroy your thriving business overnight.

Biggest risk concerns Winery & Vineyard face

  • Guests on your property, or at an event, slip and fall
  • Guests damage or destroy grapes, wine, or equipment
  • Grapes are crushed in transit
  • Leakage, spillage, or accidental mixing destroys wine in process
  • Insecticides used on grape crops drift on to neighboring properties
  • Contamination and product recalls
  • Winemaking equipment or agricultural equipment breakdown
  • Extreme weather or natural disasters
  • Wildfires, insect infestation, and plant diseases 

Even stored wine just sitting in the cellar comes with its own risks, like:

  • Spillage or leakage
  • Fire
  • Theft or vandalism
  • Utility or refrigeration outages
  • Supply chain or logistics problems and delays
  • Transportation and trucking exposures, from poorly trained drivers, to accidents and truck refrigeration breakdown 

Why Winery & Vineyard Insurance may be needed?

To fully protect your winery, you’ll need a customized package of property, liability, automobile, crime, liquor liability, and other policies — a little of this, some of that, and so on. 

Some coverages to be considered

    • Property
    • Umbrella & Excess Casualty
    • Workers Compensation
    • Accident & Health Solutions
    • Crime/Financial Fidelity
    • Cyber
    • Builder’s Risk
    • Commercial Auto
    • Commercial Package (CMP)
    •  Environmental
    • Equipment Breakdown
    • Marine
    • Directors & Officers Liability
    • Employment Practices Liability
    • Errors & Omissions Liability
    • Fiduciary Liability
    • Kidnap Ransom & Extortion
    • Media Liability

Our team can help you understand the unique risks and needs of your winery business and help find the right combination of coverage.

Don’t wait until you file a claim to find out if you have the proper insurance protection for your winery or vineyard. Talk to us today to know how to keep your winery protected

Already Have Winery & Vineyard Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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About Altima Auto 
Insurance Agency

Altima Auto Insurance Agency helps you choose from a variety of personal insurance and business insurance solutions.
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814 W. Arkansas Ln.
Arlington, TX 76013
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