Insurance for Breweries & Wineries

Equipment Breakdown insurance is your business's saving grace. When any of your equipment malfunctions or is damaged, this insurance will cover the loss. It will cover the cost to repair or replace the equipment and any other property damaged due to the equipment breakdown.

It's a challenge to run breweries and wineries struck by fire, hurricane or any other natural disaster. During these events, you'll need insurance to pay for the ongoing expenses after a covered property loss. Business Interruption insurance is a type of insurance that replaces lost income or profitability after a covered loss. You can easily get your business running again with this insurance.

Professional Liability will cover your business against claims that wineries and vineyards have caused a customer to suffer financial harm due to the mistakes on your part or because you fail to deliver the service. This type of insurance for wineries will cover the cost of defending your business in a civil lawsuit and certain damages (if any) even if the lawsuit isn't justifiable.

General Liability protects against third-party bodily injury, personal injury and property damage claims. When a guest slips and falls during a vineyard tour, General Liability pays the medical bills and other direct costs, attorney fees, settlements and judgments if you are sued. This insurance will also cover advertising liability, product liability, slander and libel claims against your winery.

Workers' Compensation is mandatory for any business that has employees. This type of insurance for wineries protects your workers from work-related injuries or illnesses. This is useful for wineries and breweries as your workers harvest grapes in the vineyard and operate heavy equipment.

Commercial Property protects your buildings and its content from fire, theft, hurricane and other natural disasters. The insurance covers the cost of repairing or replacing damages to your property when these instances occur.