Winery Insurance

Coverage's Specific to Wineries:

• Trellis and Grape Vines
• Property in Transit
• Wine Leakage
• Mobile Equipment
• Damage to Stock:
• On premises power failure
• Off premises power failure
• Nesting, infestation, or discharge
or release of waste products or
secretions, by insects, birds,
rodents, or other animals

Property:

• Blanket Limit for Buildings,
Business Personal Property, and
Stock (described premises)
• Blanket Limit for Coverage
Extensions
• No Coinsurance Penalty
• Replacement Cost for Buildings
and Business Personal Property
• Agreed Value and Market Price
options for Stock
• Wine Contamination (no sublimit)
• Wine Caves, Solar Panels, Winery
Equipment, and Barrels included
as Covered Property
• Harvested unprocessed fruit, wine
in-process, and finished products
included as Stock
• Blending Errors (optional)
• Unnamed Locations (optional)
• Earthquake Sprinkler Leakage
(optional)

Coverage Portfolio:

• Property (including spoilage,
contamination, and leakage)
• Equipment Breakdown
• Property in Transit
• Mobile Equipment
• Crime
• General Liability
• Liquor Liability
• Product Withdrawal Expense
• Employee Benefits Liability
• Wind Drift or Overspray
• Employment Practices Liability
• Internet Liability and Network
Protection
• Winemaker's Errors & Omissions
• Automobile
• Umbrella

Coverage Extensions:

• Business Income
• Extended Business Income
• Extra Expense
• Civil Authority
• Tenants Leasehold Interest Loss
• Electronic Data
• Preservation of Property
• Contingent Transit

Additional Coverage's:

• New Locations or Newly Constructed
Property
• Debris Removal
• Fire Department Service Charge
• Collapse
• Water Damage, Other Liquids,
Powder or Molten Material Damage
• Pollutant Clean-up and Removal
• Dependent Business Premises
• Property at Other Locations
• Personal Effects and Property of
Others (other than stock)
• Outdoor Property
• Trees, Shrubs, Plants, and Lawns
• Non-Owned Detached Trailers
• Depositor's Forgery
• Ordinance or Law Provision
• Accounts Receivable
• Valuable Papers and Records
• Money and Securities
• Employee Dishonesty
• Fire Protection Devices
• Cost of Inventory or Adjustment
• Utility Services -- Direct Damage
• Utility Services -- Business Income
and Extra Expense
• Contract Penalties
• Arson Reward
• Indoor and Outdoor Signs
• Fine Arts
• Water Processing
• Packaging Errors
• Unintentional Errors

General Liability:

• $1,000,000/$2,000,000 Limits
• Separate Liquor Liability Limit
• Broad Named Insured Definition
• Special Events
• Blanket Additional Insured
• No Charge for Certificates
• Per Location General Aggregate
• Fellow Employee Coverage
• Separation of Insured's