Insurance coverages for wineries and vineyards

Winery coverage summary:

Liability coverages

  • General liability limits: $1 million /$3 million*
  • Includes full or limited premises, personal liability, $5,000 medical payments (increases to  $10k with enhancement), $100,000 fire legal liability (increases with enhancement), products liability, liquor liability (IMPORTANT NOTE: the real highlight is liquor liability has its own limits outside the commercial general liability).
  • General liability enhancement available to increase limits and provide additional coverages.
  • 10% credit available towards liability premium when applicant is a member of an accredited professional association.

Property coverages

  • Farm property for winery includes dwellings, outbuildings, farm personal property.
  • Winery enhancement available to increase limits and provide additional coverages.
  • Commercial property for winery Includes coverage for winery, tasting room, storage facility, business personal property/stock; business income.

Other coverages

  • Crime coverage is for winery, tasting room, storage facility, business personal property/stock; business income.
  • Inland marine includes coverage for transportable winery equipment and wine in transit “annual transit coverage.”
  • Auto is only available for applicant's farm and personal vehicles when writing the winery package; monoline auto not available.
  • Excess liability is available over the underlying Markel Specialty's general liability and may be eligible for auto liability.

 

Vineyard coverage summary:

Liability coverages

  • General liability limits: $1 million /$3 million*
  • Includes full or limited premises, , personal liability, $5,000 med pay (increases with enhancement, $100,000 fire legal liability (increases with enhancement), products liability.
  • General liability enhancement available to increase limits and provide additional coverages.
  • 10% credit available towards liability premium when applicant is a member of an accredited professional association.

Additional liability coverages available

  • Festival liability
  • Liquor law liability (dram shop)
  • Medical payments ($10,000 per person)
  • Vineyard chemical drift pollution liability
  • Liability extension endorsement
  • Broadened definition of insured
  • Broadened definition of mobile equipment
  • Property damage to borrowed equipment
  • Property damage to “customers’ goods”
  • Medical personnel coverage
  • Limited “product withdrawal” expense coverage
  • Additional insured – managers or lessors of premises
  • Additional insured – vendors (limited)
  • Additional insured – by written contract, agreement, or permit

 

*Per occurrence is the maximum amount paid on a covered individual claim; aggregate is the maximum amount paid on all covered claims combined within the policy period.

Property coverages

  • Farm property for vineyard includes dwellings, outbuildings, farm personal property, disruption of farming.
  • AG Premier and AG Essential property enhancements available to increase limits and provide additional coverages.
  • Auto is only available for applicant's farm and personal vehicles when writing the winery package; monoline auto not available.

Other property coverages available

  • Accounts receivable
  • Automatic increase at time of loss
  • Business income and extra expense
  • Crime
  • Electronic data equipment
  • Electronic data processing
  • Employee theft
  • Fine arts
  • Discharge from sewer, drain or sump
  • Library inventory
  • Limited contamination
  • Mobile agricultural equipment
  • Ordinance or law
  • Outdoor growing trellis, grapevines and grapes
  • Personal effects and property of others
  • Property off premises
  • Property in transit
  • Refrigerated goods spoilage
  • Replacement cost on equipment
  • System and Mechanical breakdown
  • Transportation
  • Trellis and vines
  • Wine contamination and adulteration
  • Wine leakage
  • Wine market value/selling price clause

Other coverages

Commercial automobile

Excess/ liability

Get a quote

Work with one of our Markel Specialty agents to get a quote.