Coverage Programs
Comprehensive, specialized insurance programs designed for the unique risks of wineries, cideries, and vineyard operations.
Targeted Classes of Business
- Bonded Wineries & Cideries
- Virtual Wineries & Cideries
- Vineyard / Orchard Estates
- Custom Crush Facilities
Exposures We Accommodate
- Wine / Cider Production
- Custom Crush
- Wine / Cider Storage
- Tasting Rooms
- Special Events
- Restaurants
- Catering
- Bed & Breakfast / Guest Homes
- Residential / Farm Exposures
Specialized Insurance Programs for the Wine Industry
Property Coverage
- Building, Business Personal Property & Stock
- No Coinsurance Penalty
- Wine/Cider Stock and Equipment
- Wine/Cider Leakage
- Contamination
- Selling Price & Agreed Valuation Options
- Property in Transit
- Stock at Unnamed Locations
- Personal Residences & Dwellings
- Scheduled Fine Arts, Jewelry & More
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 (EPLI)
- Professional Liability — Errors & Omissions
Coverage is underwritten by HDI Global Insurance Company and HDI Global Specialty, both rated A+ Category XV by AM Best and Company. Available in California, Washington, Oregon, Pennsylvania, Michigan, Virginia, and Ohio.
Winery Insurance Coverage — FAQ
What carrier underwrites the Prime Vintage winery insurance program?
Coverage is underwritten by HDI Global Insurance Company and HDI Global Specialty, both rated A+ Category XV by AM Best — one of the highest financial strength ratings available. This means your clients' claims are backed by a financially strong, globally recognized carrier.
Is winery insurance available on an admitted basis in California?
Yes. Prime Vintage offers admitted winery insurance products in California, Washington, Oregon, Pennsylvania, Michigan, Virginia, and Ohio. Surplus lines products are also available for risks that require non-admitted placement.
Does the program include employment practices liability for wineries?
Yes. Employment Practices Liability (EPLI) is available as an optional coverage, protecting winery and cidery operations against claims of wrongful termination, discrimination, sexual harassment, and related workplace torts.
Is professional liability E&O available for winemaking operations?
Yes. Professional Liability Errors and Omissions coverage is available for winemaking and consulting services, covering claims arising from professional advice or services rendered by the winery or its staff.
Can excess liability be added to a winery insurance program?
Yes. Excess liability coverage is available to provide additional limits above the underlying general liability, liquor liability, and auto liability policies — important for larger winery operations with significant event or tasting room exposure.