WINERY & CIDERY PROGRAM

SPECIALIZED COVERAGES


 TARGETED CLASSES OF BUSINESS

  • Bonded Wineries/Cideries
  • Virtual Wineries/Cideries
  • Vineyard/Orchard Estates
  • Custom Crush Facilities


EXPOSURES THAT CAN BE ACCOMODATED

  • Wine/Cider Production
  • Custom Crush
  • Wine/Cider Storage
  • Tasting Rooms
  • Special Events
  • Restaurants
  • Catering
  • B&B / Guest Homes
  • Residential / Farm Exposures



PROPERTY:

  • Blanket Property Limit (Building, BPP & Stock)
  • No Coinsurance Penalty
  • Wine/Cider Stock and Equipment
  • Wine/Cider Leakage
  • Contamination
  • Selling Price & Agreed Valuation Options (Stock)
  • Property in Transit
  • Stock at Unnamed Locations
  • Personal Residences and Dwellings
  • Scheduled Fine Arts, Jewelry, Etc.


GENERAL LIABILITY:

  • General Liability
  • Liquor Liability
  • Hired and Non-Owned Auto Liability
  • Wind Drift or Overspray Coverage
  • Employee Benefits Liability
  • Product Withdrawal Expense
  • Farm Liability
  • Personal Liability
  • Limited Pollution  Liability


 OTHER COVERAGE OPTIONS:

  • Owned Auto Coverage
  • Excess Liability
  • Employment Practices Liability
  • Professional Liability Errors & Omissions