Winery & Cidery Program
Comprehensive insurance solutions tailored specifically for wineries, cideries, vineyard estates, and custom crush facilities — covering every exposure unique to your operation.
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
- B&B / Guest Homes
- Residential / Farm Exposures
What's Included
Property Coverage
- 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 as acceptable
- 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
Winery Insurance — Frequently Asked Questions
What types of winery operations does Prime Vintage insure?
Prime Vintage insures bonded wineries and cideries, virtual wineries, vineyard and orchard estates, and custom crush facilities. We accommodate wine and cider production, tasting rooms, special events, restaurants, catering, bed and breakfasts, and residential farm exposures — all under one specialized program.
Is liquor liability included in the winery insurance program?
Yes. Liquor liability is a core component of our general liability program for wineries and cideries. We also include hired and non-owned auto liability, farm liability, personal liability, limited pollution liability, and product withdrawal expense coverage.
Does the program cover wine stock and equipment?
Yes. Our property program covers wine and cider stock and equipment, wine leakage, contamination, selling price and agreed valuation options for stock, property in transit, and stock at unnamed locations — with no coinsurance penalty.
Which states is this winery insurance program available in?
The program is available in California, Washington, Oregon, Pennsylvania, Michigan, Virginia, and Ohio. Both admitted and surplus lines products are available depending on the state and the specific risk profile.
How do brokers submit a winery account to Prime Vintage?
Licensed brokers submit new winery and cidery accounts through our online supplemental application or by contacting our underwriting team at [email protected]. We work exclusively through licensed brokers and agents.
Ready to Submit a Winery Account?
Our underwriting team specializes in winery and cidery risks. Submit a new account today or contact us to discuss your client's specific coverage needs.