VINEYARD INSURANCE FOR GROWERS & ESTATE VINEYARDS
A vineyard faces the weather, the seasons, and the public all at once — frost in spring, fire in summer, and visitors at harvest. Kelly Insurance Group builds vineyard programs that cover the land, the equipment, and the people who walk the rows.
FARMING, HOSPITALITY, AND THE WEATHER IN ONE.
A vineyard is a farm first — exposed to frost, hail, drought, fire, and pests across the growing season — and increasingly a hospitality business hosting tours, tastings, and events. The equipment is valuable, the crop is at the mercy of the weather, and visitors add liability the moment they arrive.
We build vineyard programs that account for the land and equipment, the seasonal weather exposure, and the agritourism side, coordinating with winery coverage when production happens on the same site.
WHAT A VINEYARD PROGRAM COVERS
Farm buildings and structures Tractors, sprayers, and equipment Weather and crop exposure considerations Liability for tours and tastings Agritourism and on-site events Workers compensation for laborSTEP THROUGH THE GROWING SEASON'S EXPOSURES.
Move through the season to see how the vineyard's risks shift. A general illustration to frame a coverage review — not a quote or rating tool.
Pruning and cold weather define the dormant season. Hard freezes can damage vines, and equipment sits in storage where property exposure still applies.
HOW THE VINEYARD PROGRAM IS BUILT.
Four areas reviewed together so the land, the crop, and the visitors are all covered.
FARM PROPERTY & EQUIPMENT
Buildings, structures, tractors, sprayers, irrigation, and trellising valued to reflect the operation.
WEATHER & CROP EXPOSURE
Frost, hail, fire, and drought exposure addressed through the appropriate crop or farm coverages.
LIABILITY & AGRITOURISM
General liability for tours, tastings, and events, with liquor liability where the vineyard serves wine.
WORKERS COMP & LABOR
Workers compensation for vineyard crews, including seasonal labor during pruning and harvest.
TELL US ABOUT YOUR VINEYARD.
Complete the form below and a Kelly Insurance Group specialist will follow up to begin your vineyard review.
BUILT FOR GROWERS OF EVERY SIZE.
From family rows to estate vineyards, we tailor the program to the operation.
QUESTIONS THAT OFTEN COME UP.
WHAT DOES VINEYARD INSURANCE COVER?
Vineyard insurance generally covers farm property and equipment, liability for visitors and agritourism, and workers compensation for labor, with weather and crop exposure addressed through the appropriate coverages. The program depends on whether the vineyard also produces or serves wine.
IS FROST OR WEATHER DAMAGE TO MY CROP COVERED?
Crop and weather exposure such as frost, hail, or wildfire is a major concern for growers. It is typically addressed through specific crop or farm coverages, and we can review the options that fit the vineyard's location and risk.
DO I NEED LIABILITY COVERAGE FOR VINEYARD TOURS AND TASTINGS?
Yes. Bringing the public on site for tours, tastings, or events creates general liability and, where alcohol is served, liquor liability exposure. Agritourism activity is an important part of structuring vineyard coverage.
IS MY EQUIPMENT COVERED?
Tractors, sprayers, trellising, irrigation, and other vineyard equipment are valuable property that can be covered. Mobile and farm equipment often need specific attention so values are properly reflected.
WHAT IF MY VINEYARD IS PART OF A WINERY?
Many operations grow and produce on the same site. When a vineyard is part of a winery, the growing, production, tasting room, and event exposures are coordinated into one program so nothing is missed between them.
HOW DO I GET A VINEYARD QUOTE?
Completing the form on this page gathers your acreage, equipment, agritourism activity, and whether you produce or serve wine so the account can be reviewed and matched to the right specialty markets.
COVER THE LAND, THE CROP, AND THE VISITORS.
Kelly Insurance Group builds specialty programs for vineyards and growers. Start with a conversation or the form above.
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.
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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.