WINERY & BREWERY
WORKERS COMP
PRODUCTION WORK AND HOSPITALITY WORK UNDER ONE ROOF.
A winery or brewery employs workers in two very different environments — the production floor and the tasting room. Cellar staff and brewers work with heavy equipment, chemicals, and elevated surfaces. Harvest crews work in an agricultural setting with physical labor and machinery. Tasting room staff work in a hospitality environment. Each group has its own workers compensation classification and risk profile.
Production staff working with tanks, pumps, forklifts, and chemicals in a manufacturing environment.
Seasonal agricultural labor for grape or fruit harvest brings agricultural workers compensation classification.
Bartenders, servers, and event staff in a hospitality setting have a different classification than production workers.
Temporary and seasonal workers — especially at harvest — need to be properly classified and covered.
TAP EACH ROLE TO SEE THE WORKERS COMP CLASSIFICATION QUESTION.
Different roles carry different classifications and risk profiles. Tap to explore. A general illustration — not a classification determination.
HOW THE PROGRAM IS BUILT.
Cellar, brewing, and distilling staff properly classified in production workers compensation categories with accurate payroll.
Harvest and vineyard labor classified in agricultural workers compensation — a separate and specific coverage requirement.
Tasting room and event staff classified in restaurant or hospitality workers compensation categories.
Seasonal harvest crews and temporary event staff covered with proper classification and reporting during the engagement period.
TELL US ABOUT YOUR OPERATION.
Complete the form and a Kelly Insurance Group specialist will follow up to begin your review.
EVERY KIND OF ALCOHOL OPERATION.
STRAIGHT ANSWERS.
What does winery and brewery workers compensation cover?
Workers compensation covers on-the-job injuries for all employees — cellar and production staff, harvest crews, tasting room employees, and seasonal workers. Each role is classified based on the work performed, and the coverage responds to medical costs and lost wages for work-related injuries.
Do wineries need separate workers comp for harvest crews?
Harvest labor is classified as agricultural work, which has its own workers compensation rate structure and, in some states, separate coverage requirements. A winery that employs seasonal harvest crews needs to address this classification separately from production and tasting room staff.
Is tasting room staff covered under the same policy as production workers?
Yes, but under a different classification. Tasting room and event staff are typically classified in a hospitality or restaurant classification with a different risk rate than production workers. Both groups are covered under the same policy with separate payroll allocations.
What about temporary or seasonal workers?
Temporary and seasonal workers — especially harvest crews and event staff — need to be properly covered and classified during their engagement period. Misclassifying or omitting seasonal workers is a common source of coverage gaps for producers.
Is there a difference in coverage for a forklift operator vs. a bartender?
Yes. Different roles carry different classifications with different risk rates. A forklift operator in a production environment is classified at a higher rate than a tasting room bartender. Accurate classification and payroll allocation for each role is an important part of the workers compensation program.
How do I get a winery or brewery workers compensation quote?
Completing the form on this page gathers your payroll by role, employee count, seasonal labor details, and states of operation so the account can be reviewed and matched to the right specialty markets.
COVER EVERY WORKER — FROM THE CELLAR TO THE TASTING BAR.
Kelly Insurance Group builds specialty workers compensation programs for wineries, breweries, and distilleries.
The availability of coverage and eligibility for coverage can depend on numerous factors. We cannot guarantee that all customers, individuals, and businesses looking for coverage will be successful in these efforts when contacting our team. All policy coverages and terms need to be fully reviewed by the respective consumer to ensure the coverage asked for is what is specifically being quoted or provided by any insurance policy. Insurance Policies, Coverage Changes, and their terms and conditions are not bound or altered until written confirmation is provided by one of our licensed team members or underwriters. This page does not offer legal advice, legal opinions, or policy interpretations. Rather, this page is meant as a resource to help provide customers and insurance consumers with additional considerations that may help in their insurance buying or pursuit of insurance information. Kelly Insurance Group does not employ or direct attorneys.
RELATED INSURANCE PROGRAMS
Other Kelly Insurance Group coverages matched to this page
MATCHED INTAKE FORMS
Best-fit forms for this page
FIND RELATED COVERAGE FAST
LOADING LIVE SITEMAP...
Disclaimer: Coverage availability and eligibility may depend on underwriting review, carrier guidelines, policy terms, state requirements, business operations, risk characteristics, and other information provided during the application or quoting process. Kelly Insurance Group cannot guarantee that every individual, customer, organization, or business seeking coverage will qualify for, receive, or successfully place insurance coverage. All policy coverages, exclusions, conditions, limits, endorsements, and terms should be carefully reviewed by the consumer, insured, or applicant to confirm that the coverage requested is the coverage being quoted, offered, or provided. Insurance coverage, policy changes, endorsements, cancellations, and other policy terms are not bound, changed, confirmed, or altered unless and until written confirmation is provided by a licensed Kelly Insurance Group team member, the applicable insurance carrier, or an authorized underwriter. This page is provided for general informational purposes only and does not provide legal advice, legal opinions, insurance coverage opinions, or policy interpretations.