WINERY INSURANCE FOR ESTATE & PRODUCTION OPERATIONS
From the crush pad to the barrel room to the tasting bar, a winery carries value and exposure at every step. Kelly Insurance Group builds winery programs that protect the equipment, the aging wine, and the guests who come to pour a glass.
VALUE AT EVERY STAGE FROM GRAPE TO GLASS.
A winery is a manufacturer with a warehouse of irreplaceable aging product and a hospitality business pouring for the public. The equipment is expensive, the wine in barrel is valuable and vulnerable, and the tasting room carries the same liquor exposure as a bar. A generic policy rarely accounts for all of it.
We build winery programs that follow the wine from production through the tasting room, so property, product, spoilage, and liquor liability are all addressed together.
WHAT A WINERY PROGRAM COVERS
Buildings, crush pad, and barrel room Tanks, presses, and production equipment Aging and in-process wine Spoilage and contamination of batches Liquor liability for the tasting room Tours, events, and workers compensationFOLLOW THE WINE AND SEE THE EXPOSURE AT EACH STAGE.
Tap a stage to see the coverage it calls for. A general illustration to frame a coverage review — not a quote or rating tool.
HOW THE WINERY PROGRAM IS BUILT.
Four areas reviewed together so production, product, and guests are all covered.
PROPERTY & EQUIPMENT
Buildings, crush pad, barrel room, tanks, and presses valued to reflect the real cost of the winery.
PRODUCT & SPOILAGE
Product liability for the wine plus spoilage and contamination coverage for aging and in-process stock.
LIQUOR & TASTING ROOM
Liquor liability for the tasting room, samples, weddings, and events where the winery serves guests.
TOURS, GL & WORKERS COMP
General liability for tours and visitors plus workers compensation for production and tasting room staff.
TELL US ABOUT YOUR WINERY.
Complete the form below and a Kelly Insurance Group specialist will follow up to begin your winery review.
BUILT FOR EVERY KIND OF WINERY.
From estate operations to urban tasting rooms, we tailor the program to the winery.
QUESTIONS THAT OFTEN COME UP.
WHAT DOES WINERY INSURANCE COVER?
Winery insurance brings together property and equipment coverage, product liability and spoilage for aging wine, liquor liability for tasting rooms, general liability for tours and visitors, and workers compensation. The program reflects how much the winery produces, stores, and serves on site.
DO WINERIES NEED LIQUOR LIABILITY?
Wineries that pour in a tasting room, host events, or serve samples generally need liquor liability, because serving wine creates over-service and dram shop exposure in addition to the product liability that comes with making it.
IS MY AGING WINE COVERED?
Aging and in-process wine represents significant value and can be addressed through property and spoilage coverage. A covered cause such as an equipment breakdown or contamination event that ruins a batch may be covered, subject to policy terms.
ARE TASTING ROOMS AND EVENTS COVERED?
Tasting rooms and events add liquor and general liability exposure on top of production. How the winery serves the public, including weddings and private events, is a key part of structuring the coverage.
WHAT ABOUT EQUIPMENT LIKE TANKS AND PRESSES?
Tanks, presses, barrels, and other production equipment are high-value property. Equipment breakdown can be added so mechanical or electrical failure, which can also spoil product, is addressed beyond standard property perils.
HOW DO I GET A WINERY QUOTE?
Completing the form on this page gathers your production volume, equipment, tasting and event activity, and distribution so the account can be reviewed and matched to the right specialty markets.
PROTECT EVERY STEP FROM GRAPE TO GLASS.
Kelly Insurance Group builds specialty programs for wineries of every size. 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.
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.