Winery & Cidery Program
Coverage Programs
Comprehensive, specialized insurance programs designed for the unique risks of wineries, cideries, and vineyard operations.
Eligible Operations
Targeted Classes of Business
- Bonded Wineries & Cideries
- Virtual Wineries & Cideries
- Vineyard / Orchard Estates
- Custom Crush Facilities
Operations We Cover
Exposures We Accommodate
- Wine / Cider Production
- Custom Crush
- Wine / Cider Storage
- Tasting Rooms
- Special Events
- Restaurants
- Catering
- Bed & Breakfast / Guest Homes
- Residential / Farm Exposures
What We Cover
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.