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WineAmerica offers wineries insurance coverage specifically tailored to meet
the unique need of wineries. Many local insurance companies do not cover actions
and equipment that are integral to a winery’s operations. With WineAmerica
insurance, you can get a variety of coverage and your winery bond. Click on the
insurance type below to learn more.
New! WineAmerica members using the insurance program will now receive yearly
dividends of up to 3% - a great return on your investment!
Property • Comprehensive
General Liability • Business Auto
Workers’ Compensation • Umbrella • Bonding & Surety
** To
receive a free quote, please complete the Application and
fax it to WineAmerica Insurance at
408-947-7115. For more info visit the Contact Info section at the bottom of the page.
Comprehensive
General Liability |
Liquor Law Liability (Dram Shop): If your operation manufactures, processes,
directly distributes, sells, serves or furnishes liquor/wine to the public
through your operations, this endorsement provides coverage for bodily
injury and property damage for the above exposure.
Product Liability: If your completed product(s) cause bodily injury or
property damage after relinquishing possession of those products, the
liability arising
out of such injury or damage would be covered worldwide if suit was bought
in the United States.
Festival Liability: Most winery policies charge additional premium for
on or offsite festivals and special events. The WineAmerica program
automatically includes this in the base premium.
Vineyard Chemical Drift Liability: Most wineries have exposures from
the use of chemicals to maintain their vineyards. If in the process
of, discharge,
dispersal, release or escape into the air (but not by aircraft) coverage
will
be provided for damage to others property, up to a $100,000 limit.
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Real Property: This covers your scheduled buildings, tanks and cooperage,
against direct risk of loss on a "Special Causes of Loss" form, sometimes
referred to as "all-risk". Replacement cost/agreed amount valuation
applies and newly acquired property is covered to a $1,000,000 up to 180
days. Earthquake and flood are excluded on this form but can be added.
Business Personal Property: This covers your business personal
property, such as winery equipment and your inventory, bulk
and bottled, against
direct risk
of loss on a "Special Causes of Loss" (all-risk) form. Earthquake
and flood are excluded on this form but can be added. Coverage includes replacement
cost/agreed amount valuation.
INCLUDED IN BUSINESS PERSONAL PROPERTY
Wine Leakage: Offers coverage for sudden and accidental discharge
of wine whether from wooden cooperage or stainless steel
tanks that have
malfunctioned.
Trellises and Vines: Limited coverage for outdoor vines
and trellises.
Library Inventory: Wines held back in inventory can be
valued at a stated amount. The value for library inventory
will
be set by
three wine industry
specialist
that will verify the stated amount.
Mobile Agriculture Equipment: Your mobile agricultural
equipment is covered against direct risk of loss
on a special floater
form extending
coverage
beyond your main premise.
Wine Market Valuation: This endorsement allows grapes/juice
to be valued at "selling" price
less any production cost not yet incurred, allowing for a major reduction
in your business interruption expense.
Off Premises Power: Should a non-direct cause of
loss to your power source off premise occur,
coverage would
be
provided as if the
loss was a direct
covered loss on your premise.
Transportation: Your property is covered while
in transit in vehicles owned or operated by
you and
while in vehicles
not
owned or operated
by you.
The property is covered against direct risk
of loss on a special "transit" floater
form. It includes grapes prior to crush as well as finished product.
Signs: Outdoor signs attached to buildings
and those within 1000 feet are covered in
the case
of a covered
loss.
Consequential Damage to Stock: If your stock
is physically lost or damaged, by a covered
cause of loss, especially
from changes
in the
weather, causing
part or all of your stock that is undamaged
to be unmarketable as a completed product,
$25,000
of coverage
will respond.
Optional: Mechanical Breakdown: (Boiler & Machinery) is available to
cover such things as refrigeration malfunction - whether it be a jacketed
tank or
a temperature control of an entire building. Breakdown of other winery equipment
such as crushers, presses, centrifuges, etc. can also be added. Consequential
loss can be included in the machinery coverages and limits increased over
the $25,000 mentioned above.
Additional Coverage Included:
- Newly acquired personal property
is covered up to $500,000 up to 90
days.
- Electronic Data Processing Equipment
- Fine Arts
- Property at any other location
- Property in Care, Custody or Control
of salesperson
- Personal Effects and Property of
others
- Newly acquired property is covered
up to $1,000,000 up to 180 days.
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Business Auto Liability: This coverage is used to protect against
claims alleged for bodily injury and property damage arising from the
ownership, maintenance, or use of any covered auto.
Medical Payments: This coverage is used to pay for medical
expenses incurred by a covered person injured while driving or riding
in your automobile. It provides coverage, regardless
of fault, for all reasonable
medical costs incurred for up to one year from the date of the accident.
It does not cover
injury to employees.
Uninsured/Underinsured Motorist: Uninsured and Under insured
Motorist coverage protects you and your passengers against bodily
injury expenses
if you
are hit by another driver who has
not automobile liability
insurance or has less than the minimum limits required
by your state.
Collision: This coverage is used to
insure against loss or
damage to a
covered vehicle
resulting from collision
or
upset.
Comprehensive: This coverage is used to
insure against loss or
damage to a
covered vehicle
resulting from loss
excluding
collision or
upset.
Optional:
Driver Other Car Coverage: This endorsement is used
to protect employees
or other specified
individuals when they
borrow or
rent cars
for personal use,
and do not have the
protection of a Personal
Auto
policy.
Non-Owned and Hired
Auto: This
coverage is used
to provide liability
protection
for autos
used in your business
that are not
owned by you.
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Workers' Compensation: [1] A schedule of benefits payable to
an employee by his employer without regard to liability, required
by state law in the case of injury, disability, or death as the
result of occupational hazard. [2]
Insurance agreeing to pay Workers
Compensation
law benefits on
behalf of
the
insured employer.
Employer's Liability: This is coverage B of the standard
Workers Compensation policy. It
provides coverage against the common law liability of
an employer
for injuries to employees as distinguished
from the liability imposed by a Workers Compensation
law.
Employers
Liability applies in situations where a worker does not
come under these
laws.
Employee Claim Form: The law now requires the employer to
give the injured employee a claim
form within 24 hours. The employee has
the responsibility to
file the
employee
claim form. Failure
on the
part of the employee to file the form will
preclude you from
receiving any
late payment
penalty
that may
be due
and will also preclude
your right
to pursue further legal remedies. The employer
should
keep
a log of the date,
time and
person
who furnished
the employee the report
form. Most
carriers
encourage you to assist
the
employee in its completion. Note the
date of
completion and forward it to the carrier at once. Failure
to do so could
generate
penalties.
Employer's
First
Report of Injury: Knowledge
from
any source
about
an
injury
should
trigger
sending
the
Employers
First
Report
of Injury
report
to the
carrier.
If the
injury
is serious,
contact
your
claims
office
by phone.
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Umbrella: This form provides higher limits of coverage for
hazards covered by your primary policy
and other hazards. Subject to a self-insured retention of $10,000.
Underlying Coverage: Primary Liability generally includes
General Liability for Premises/Operations
and Products/Completed Operations; Automobile Liability including Hired
and
Non-Owned;
Employers Liability.
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Bonds: In order to operate as a winery in the United States the TTB requires
that a bond be provided to cover excise taxes. Many states also require
bonds
for taxes
due to
the state.
We can
provide you with the bonds
necessary
to
support
your operations. It is
the Surety who provides the bond to the
winery.
For a free insurance quote, please contact Sue Varnell - svarnell@cbiz.com or
1-800-524-4442.
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