Winery insurance from vineyard to tasting room
Wineries combine farming, making and hosting, and each carries its own risks. We build programs for Washington's wine industry, from small estate wineries to large-scale operations, with carriers that focus on winery coverage.
Same-day certificates for distributors, events and venues
Coverage as refined as your wine
A standard business policy isn't built for winemaking. Crop loss, equipment failure, tasting room liability and product recalls all need specific treatment. We work with carriers that focus on winery coverage and know how to value wine inventory, so your program fits whether you run a small estate winery or a large operation.
Essential coverage for wineries
Protection designed for winemaking, storage and guest services.
Property & buildings
Winery buildings, barrel rooms, production areas and tasting rooms against fire, storms and other common perils.
Wine inventory
Wine in barrel, bottle or bulk against spoilage and damage, including temperature failure and accidental loss.
Equipment breakdown
Tanks, crush equipment, bottling lines, cooling systems and other key machinery against sudden failure.
Tasting room liability
General liability and liquor liability for your tasting room, events and guest services.
Product liability & recall
Protection if your wine causes injury or illness, plus the costs of a product recall.
Crop & vineyard
Grapes against weather damage and disease, for events that threaten a vintage.
How winery coverage responds when something goes wrong
Three examples of how the right coverage protects a winery's investment.
A cooling system fails during a heat wave
A cooling system failed during a summer heat wave and more than 400 barrels of aging wine were ruined.
Risks particular to wineries
Winemaking combines farming, making and hosting, each with its own exposures.
Temperature control failures
Cooling breakdowns can spoil thousands of gallons in hours, a critical risk during both fermentation and aging.
Contamination & spoilage
Cork taint, bacteria or oxygen exposure can ruin entire batches, often with no visible warning signs.
Liquor liability
Serving alcohol can make you liable for accidents, injuries and DUI incidents involving intoxicated guests.
Weather & climate
Frost, hail, drought and wildfire can harm vineyards and destroy a vintage in a single event.
Theft & vandalism
Premium wines are theft targets, and vandalism can damage costly equipment and stored inventory.
Event & wedding liability
Weddings, concerts and other events bring added liability and crowd-related risks.
Experience in Washington wine country
Winery markets
Carriers that understand winemaking and can properly value your inventory.
Local relationships
We know Washington wine country and work closely with regional carriers and underwriters.
Fast certificates
Same-day certificates for distributors, events and venues.
Claims advocacy
When a claim happens, we guide you through the process, from paperwork to carrier conversations.
Additional coverage options
We review your entire operation for gaps and can add coverage for other risks.
Cyber liability
Online sales and customer data.
Commercial auto
Delivery vehicles and vineyard trucks.
Workers' compensation
Cellar workers and tasting room staff.
Employment practices liability
Claims from employees over hiring, termination and workplace conduct.
Business income & extra expense
Lost income and added costs after a covered loss.
Umbrella / excess liability
Higher limits above your primary liability policies.
Frequently asked questions about winery insurance
How is wine inventory valued?
Do I need separate liquor liability?
Is crop insurance separate from winery insurance?
What about wine shipped to customers?
Ready to protect your winery?
We'll review your current coverage and put together the right protection for your operation, from vineyard to tasting room.
Coverage descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Claim examples are illustrative, not representations about any business. Coverage, limits and eligibility are governed by the terms, conditions and exclusions of the policies issued and are subject to underwriting.