INSURANCE FOR WINERIES

There are many insurance coverages for wineries that owners must consider. We have an all-in-one approach that can provide the coverages you need all under one policy. If you have gaps and exclusions in your current policy, we can provide solutions for those as well. Examples of coverage include:

• Commercial auto (available in most states): Provides auto liability coverage for your company-owned vehicle or personally-owned vehicle that is primarily used for business purposes.
• Commercial general liability: Provides coverage for injuries and property damage sustained by third parties.
• Commercial property: Covers the building and the contents within it from fires, storm or wind damage, vandalism, and theft. Can include business personal property.
• Employment practices liability insurance (EPLI): Covers liabilities related to employment that aren’t on-the-job injuries. Some of the things it covers may include sexual harassment suits and wrongful termination suits.
• Equipment coverage: can cover equipment breakdowns, theft, and more.
• Individual/Personal liability: Personal liability protection in the event of an accident and a claim is made against you.
• Liquor liability: Coverage for businesses that provide the sale, service, or furnish of alcohol.
• Premises liability: Protects against claims for slips, trips, and falls on the property due to negligence.
• Products liability: protects your business from claims that a product you made, sold, or distributed, caused third-party bodily injury or property damage.
• Professional liability: Coverage for claims regarding negligent acts and more.
• Riot and civil commotion liability coverage: Liability protection against claims made from a riot or civil commotion.
• Special events liability: Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events.
• Active shooter liability coverage: Liability protection in the event of an active shooting taking place at company property.
• Alleged assault and battery liability: Coverage for claims against you regarding assault and/or battery.
• Alleged sexual abuse and molestation liability: Coverage for claims against you regarding sexual abuse and/or molestation.
• Communicable disease coverage: This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19.
• True umbrella / Excess liability: Additional coverage to fill the gaps and exclusions in your existing policy.
• And more: We provide customized coverage solutions so let us know everything you want to have covered and we can find a policy that suits your needs!

Please note that we do not provide workers’ compensation.

From grapes to retail, there are a lot of risks that wineries and vineyards face. Thankfully, XINSURANCE is here to provide insurance coverage solutions and true peace of mind every step of the way.

Here are some risks that are unique to wineries and vineyards:

• damage to property and inventory due to weather-related risks
• wine leakage
• pest-related risks
• wine stock contamination
• damaged products in transit
• winemaking equipment breakdown
• a guest slips and falls on your property
• and much more!

You can only do so much in a given day to mitigate these risks. It is wise to carry winery insurance that can protect you and your business in the event of an incident, accident, or lawsuit.

It is important to understand the difference between a winery and vineyard and if there are differences in insurance coverage.

The difference between a winery and a vineyard is that a vineyard is where grapes are grown and a winery is a property that makes wine. To expand on this, vineyards can have a winery that produces wine from the grapes it grows but it can also sell its grapes to outside wineries. Whereas wineries might not have their own vineyard and if that’s the case, then they just buy and bring in grapes from an outside vineyard.

Now then, the difference between winery insurance and vineyard insurance doesn’t differ that much, of course, the deciding factor is whether or not the winery has a vineyard on the premises and vice versa. XINSURANCE can provide insurance solutions to both wineries and vineyards.

We live in a frivolous society and whether they’re justified or not, lawsuits can occur at any time. In April of 2022, 50 Bay Area wineries were hit with disability lawsuits. Many complaints said that these wineries in California failed to meet accessibility standards according to the Americans with Disabilities Act. ADA compliance is very important and every business needs to make sure they are up to date with standards.

Another lawsuit example, back in 2015, a list of California wineries were named in a complaint that alleged that these wineries sold wine that they knew to be contaminated with unacceptable levels of inorganic arsenic. Inorganic arsenic can cause a variety of symptoms including nausea and diarrhea.

These are just two examples of potential lawsuits that wineries can face. What’s most important is that you have an insurance partner who fights claims and stands by your side when a lawsuit occurs. XINSURANCE has an in-house staff of skilled litigators to provide extraordinary claims results.

XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer custom solutions despite a claims history or when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.

XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage but we can also provide true umbrella coverage.

There many reasons why you choose XINSURANCE over other insurance carriers but here are some highlights:

• We are your insurance partner. XINSURANCE will stick with you when others will not. We will stand by your side and fight for you when lawsuits and claims occur.
• Insurance coverage that wineries and vineyards need. Customize your coverage with liquor liability, general liability, special events coverage, and more!
• We can fill the gaps. We offer customized insurance solutions and can fill the gaps and exclusions if you have an existing policy. Don’t leave yourself exposed, let XINSURANCE protect you.
• We have decades of experience. We have helped thousands of people like you for decades, providing protection 24/7 in all 50 states.
• Extraordinary claims results. We’ll work together to handle the case expeditiously and reach a thoroughly investigated and fair outcome.