When you also have equipment or operate from an office
All Basic plan benefits and:
There may be a number of services offered at your brewery or winery but remember that you manufacture a dangerous product: alcohol. You may also have a restaurant or bar in need of protection in case of customer illness or injury, along with other coverage. There is your overall property with your building, employees, ingredient growth and more. With coverage everything can be replaced or repaired if need be.
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.
Breweries and wineries need insurance to keep the operations going when unforeseen circumstances cause a loss to the business, or to others as a result of business operations. The first line of defense is General Liability, which should include coverage for products liability, and defends against claims the business has cause bodily injury and property damage. Commercial Property, Liquor Liability, and Workers Compensation all become essential coverages as the business grows.
Breweries and wineries face risks which can shut operations down including fire, product contamination, on-premise alcohol-induced violence, and much more. Insurance can protect the business when one of these causes of loss would otherwise be so expensive that operations have to cease.
When your grapes are unable to produce wine, be it a viral infection, weather events, fires, floods, and other hazards make sure to protect your profits with Crop Insurance. Crop Insurance will reimburse the costs of the damage from fire, floods, weather events, and other unforeseen hazards.
If hosting events is a regular occurrence at the brewery/winery you should build it into your yearly insurance policy. If it is irregular you should take out special events insurance policies for the occasions. If you have additional services like caterers, florists, musicians and additional workers working for the event, you should expect proof of insurance from each independent contractor.
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