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.

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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