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Essential coverages to meet client demands
Get protected against employment-related issues
All Standard plan benefits and:
*plus Workers Compensation
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 are in a complex and demanding business. Adding to that is just about every risk you face while growing, blending and selling your product. You need insurance to cover the risks involved when running your business. The most common is when your business is liable for making people drunk. When you don't have Liquor Liability or another insurance to back you up, your business will get into financial ruin just for that lawsuit alone.
Similar to a manufacturing plant, you also face the risk of selling liquor in your store. You must ensure the ingredients in your wine or beer are free of contaminants that could affect their cleanliness. Broken or damaged equipment during the manufacturing process could force you to close temporarily. Employees may file a case for employer negligence when they got sick on the job. And because your business sells alcohol, Liquor Liability is mandatory for wineries and breweries.
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.
When you hold special events like tours, wine tasting, and other special events you heighten the risk for your business. This is because many of these events are held on the place where you have your wineries and vineyards. You may also need additional employees like caterers, florists, musicians and additional workers working for that event. This means that you'll need additional winery insurance policies to make sure your business is protected.
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