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Vineyard and Winery Insurance Program for California Growers
What Commercial Insurance Programs are available for California Vineyards, Wineries, and Distributors?
We work with a number of the commercial insurance carriers and program providers to develop insurance risk management programs that are specific to the type of business are clients own, not a cookie cutter approach shoving all
vineyards, grape growers and wineries into the same box. Commercial Insurance Broker, Tim Pine, is a member of numerous wine organizations in the Napa and Sonoma valleys and has taken the time to learn the risks associated with the wine industry.
Recent trends with California's workers compensation rates associated with the collapse of affordable coverage forced us to find a market that is still 10-20% below the standard market for specific classifications associated with wine making and agriculture.
If you operate your winery in California, you know the complicated road to
growing special grapes and producing great wines. Viticulture, oenology, equipment management, staffing, marketing and insurance
are all . Large or small, the unique risks confronted by vintners require customized insurance solutions. Travelers Agribusiness Division has developed a comprehensive
insurance coverage program designed exclusively to meet the unique needs of wineries and vineyard owners/managers. Our broad and flexible Winery Insurance Program brings together all the critical coverages needed by wineries, small and large – a far
superior alternative to purchasing a generic insurance product loaded with endorsements.
By following wine industry trends and listening to the specific risk concerns of our clients we can stay ahead of the curve and move crop insurance, commercial auto insurance or products liability coverage ahead of industry increases. Not every winery or vineyards is a perfect fit for the programs we have to offer, but with a quick call and conversation we can
determine if we can help.
The Winery and Vineyard Program offers traditional commercial general liability and property coverage and then enhances the coverage by adding: "wine at market value"; automatic vineyard coverage up to $25,000; business income at "actual loss sustained"; equipment breakdown coverage; spoilage; and more. We are offering Worker Compensation and Liquor Liability inside the Program. We are able to include your unique "guest events" inside our policy and for those who qualify, we can offer a Commercial Umbrella over your general liability, Workers Compensation, commercial auto, and liquor liability!
Some typical coverage features of our Winery and Vineyard Program Include:
Broad form general liability
Newly acquired buildings (up to $500,000)
Newly acquired personal property (up to $100,000)
Ordinance or law
Personal property off premises (up to $25,000)
Water damage / backup of sewers/drains (up to $25,000)
Outdoor property (up to $20,000)
Loss of business income
No coinsurance penalty
Equipment breakdown
Products recall expense (up to $10,000)
Special events – general liability
Sponsored athletic events – general liability
Wine valuation – market price
Outdoor plants and crops (vineyards) (up to $25,000)
Harvested grapes (up to $25,000)
Wine leakage (up to $25,000)
Crime (up to $5,000)
Food contamination (up to $15,000)
Trade show / special events property (up to $50,000)
Contact a commercial insurance professional today.
All Forms of Professional Liability Insurance
We have access to coverage that encompasses ALL forms of liability insurance -
EPLI - Employment
Practices Liability Insurance,
D&O - Directors and Officers,
E&O - Errors and Omissions insurance,
and Group Personal Liability. Limits available up to $25,000,000. Worldwide
coverage available. Products available in most states.
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We help our clients reduce expenses while maintaining or improving
their over all insurance coverage.
- Average Reduction in Premium 10-20%
- We work for you
- Reduce time managing insurance programs
- Identify Coverage gaps
- Risk analysis
Contact us
Commercial Insurance Broker for:
Why work with Arroyo Insurance Services:
- Arroyo has been in operation since 1986
- Choice - Over 35 A Rated Carriers
- Dedicated account manager
- 4 Hour turn around on certificates
- Loss prevention program
- Workers Comp Claims Management
- Personalized Risk Assessment
- 98% Client Retention rate
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