Copeland Insurance


Winery insurance provides coverage for each aspect of your business.

Secure winery insurance to protect against the diverse risks spanning agriculture, manufacturing, retail, and entertainment aspects of your business.

Tailored Winery Insurance: Protecting Your Unique Craft

Your winery, like the wine it produces, deserves insurance coverage as distinctive as its operation. Understanding the varied risks inherent in winery operations is crucial for crafting a comprehensive insurance policy that mitigates potential gaps in coverage.

Unique Risks of Winery Operations

Operating a winery on a single plot of land entails significant risks. From fire hazards to vandalism, the integrated nature of growing, producing, storing, and selling wine amplifies potential vulnerabilities. For winery owners residing on-site, personal liability insurance is essential to protect against unforeseen accidents.

Essential Coverage Options

Ensure robust protection for your winery with a range of specialized insurance options:

-Contamination and Spoilage Coverage: Safeguards against losses due to contamination or spoilage of wine.
-Crime Coverage: Protects against theft and other criminal activities.
-Crop Insurance: Covers losses stemming from damage to vineyards and crops.
-Equipment Breakdown Insurance: Covers repair or replacement costs for essential winemaking equipment.
-Farm Liability Insurance: Provides liability coverage for accidents or injuries on your property.
-Inland Marine Insurance: Protects wine during transportation and storage.
-Liquor Liability Insurance: Covers liabilities arising from the sale or serving of alcoholic beverages.
-Product Recall Insurance: Covers expenses related to recalling wine due to safety concerns.
-Special Event Insurance: Provides coverage for events hosted at your winery.
-Vine and Trellis Coverage: Protects against damage to vines and trellises due to covered perils.

Tailored Insurance Solutions for Wineries

Explore our comprehensive winery insurance options tailored to meet the unique needs of your business. Contact us today to discuss your coverage requirements and ensure your winery is adequately protected against unforeseen risks.

Ensuring Comprehensive Winery Insurance: Protecting Your Craft and Business

Understanding Liquor Liability Coverage

For wineries hosting public wine tastings and special events, liquor liability insurance is essential. This coverage protects against potential lawsuits arising from incidents where patrons are over-served alcohol, leading to injuries or property damage. Defending against such claims can incur substantial costs, making liquor liability coverage crucial for safeguarding your winery.

Comprehensive Coverage for Winemaking Operations

In addition to liquor liability, comprehensive winery insurance covers various aspects of production and manufacturing. This includes protection against risks such as crop loss, equipment breakdowns, storage issues, transportation risks, and wine spoilage. These specialized coverages ensure your winery is safeguarded from potential financial losses that could disrupt operations.

Business Insurance Essentials

Recognizing that a winery is also a business entity, it’s important to consider broader business insurance coverages. This includes:

-Workers’ Compensation: Provides coverage for employee injuries and illnesses.
-General Liability: Protects against claims of bodily injury or property damage.
-Cyber Liability: Covers losses from data breaches and cyberattacks.
-Business Auto Insurance: Ensures vehicles used for business purposes are protected.

Tailored Solutions for Wineries

Explore our tailored winery insurance options designed to meet the unique needs of your business. Contact us today to discuss your coverage requirements and discover how we can help protect your winery from unforeseen risks and liabilities.

Cyber Liability

Risk Factor

Customers and employees who entrust you with private information, such as credit card or social security numbers, put you at risk. If this data is lost, stolen, or compromised, you may be legally obligated to alert those affected by the breach.


Securing a cyber liability policy can cover costs associated with compliance requirements and mitigation expenses, such as data breach notification, securing legal counsel to advise on incident response, credit monitoring services, public relations expenses, regulatory defense, and penalties arising from privacy law violations.

Liquor Liability

Risk Factor

Any establishment that sells, serves, or assists in the purchase or use of liquor is open to a liability claim. A lawsuit can arise if a patron gets inebriated at your winery and causes injuries or property damage, even after they leave your property.


If you are in the business of selling or serving alcohol, it is critical you protect yourself from potential financial losses by being covered by a liquor liability insurance policy. Having the right policy in place could help cover your legal costs, court fees, as well as any civil or criminal damages stemming from an incident involving liquor.

General Liability

Risk Factor

If open to the public, you are responsible for the well-being of visitors. This exposure is amplified if you offer winery tours, tastings, or special events.


Given the possible hazards guests can be exposed to, it is important to keep tours confined to safe areas and preplanned routes. General liability insurance provides coverage for bodily injury, physical injury, or other personal injury related claims.

Special Events

Risk Factor

Wineries often participate in numerous events throughout the year. Many insurance policies contain what’s known as a designated premises endorsement. At a high level, this limits coverage to the premise named on the policy (the winery). Participating in a Winery Expo or 5k Fun Run? Liability associated with events like those may not be covered.


Make sure you have coverage that extends to any events in which you wish to participate.

Business Property

Risk Factor

Every winery is a significant financial investment; couple that with an above-average exposure to loss, and selecting the correct business property coverage is critical.


Business property insurance will indemnify you for property damaged or destroyed due to a covered loss. You can add endorsements to customize coverage, such as contract cancellation, tank collapse, tank leakage, and mobile equipment coverage.

Farm Liability

Risk Factor

A farm can be more than your place of business; it can also be your home. For this reason, you need to make sure that what you have worked to build is protected.


Farm liability insurance is designed to meet your farm’s unique needs, often including premises, operations, farm product, pollution, and other farm-specific liabilities.

Environmental Liability

Risk Factor

Environmental liability exposures are not just for oil companies, nuclear power plants, and industrial mining operations. Wineries have wastewater and waste management concerns. Depending on the location of the winery, previous use of property may also be an issue.


Strict liability laws apply to the winery industry. Court-ordered injunctions, fines, and cleanup costs can be crippling. Almost all commercial liability policies contain some type of pollution exclusion. Coverage exists for this exposure through a standalone policy.

Inland Marine Coverage

Risk Factor

Once the grapes have been harvested and the wines blended, make sure your valuable product is protected no matter where it is. Wine in transit also needs coverage for physical loss or damage.


Inland marine insurance for wineries protects against direct physical loss or damage to property or stock while it is being transported. Talk with your risk manager about different policies for wine that is stored on your property and wine that is stored offsite.

Commercial Automobile

Risk Factor

Automobile exposures are significant, especially if you handle your own distribution. Bodily injury and property damage can put your business at significant financial risk.


Commercial auto insurance protects your fleet of trucks and any other vehicles owned by your winery. In addition, if employees drive personal vehicles for business use, you need hired and non-owned auto liability insurance.

Equipment Breakdown

Risk Factor

There is always a risk of sudden and accidental equipment breakdown in the winery business, and repair or replacement costs are often high. Equipment breakdown coverage can help pay to repair or replace the equipment. It can also cover losses associated with interruption of the business.


Equipment breakdown is typically not covered under a commercial property insurance policy. Obtaining separate equipment breakdown coverage addresses this exposure.

Employment Practices Liability Insurance

Risk Factor

It’s estimated that three out of five businesses will be sued by their employees. Companies are vulnerable during the pre-hire process, throughout employment, and during a reduction in workforce. Claims can arise in any size operation. You can do everything right and still be sued.


Coverage comes in the form of a standalone policy and is critical to your risk management strategy. It protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.

Crime Coverage

Risk Factor

What do you do if one of your trusted employees is found guilty of doing something dishonest as it relates to his or her work with you?


Crime coverage can be obtained in your commercial property insurance policy, but coverage is very limited. Consider a standalone policy as well.

Workers’ Compensation

Risk Factor

Workers’ compensation coverage is required by law. There is a high demand for wine, but demand can lead to haste. Haste leads to accidents and injuries, driving up workers’ compensation costs.


Promoting workplace safety and managing exposures can significantly reduce the frequency and severity of workplace injuries. Proactively addressing high risk scenarios helps control workers’ compensation costs.

Crop Insurance

Risk Factor

Without viable grapes, you would be unable to produce wine. Therefore, protecting your grape harvest should be your first line of defense.


Wineries need crop insurance for the cost of crop damage due to weather, vine/insect infections, fires, floods, and other hazards.

Product Recall

Risk Factor

Every manufacturer faces the possibility that an issue can arise with a product after it has been distributed. A product recall can involve lost time, extra shipping costs, and losses associated with not having a sellable product available for consumers.


Product recall coverage helps pay for costs related to removing recalled, damaged, or dangerous products from the marketplace.

Contamination and Spoilage

Risk Factor

If a batch of wine is spoiled or contaminated due to a refrigeration breakdown, utility interruption, or some other type of foreign substance, a winery has much to lose, including the loss of product and subsequent revenue.


Seek coverage for contamination and spoilage to help offset the costs associated with these events.

Outdoor Vine and Trellis Coverage

Risk Factor

Damage to vines and trellises can hinder production of your wines, resulting in in loss of product and revenue.


Outdoor vine and trellis coverage protects against losses associated with wind, fire, vandalism, vehicles, and aircraft damage that threaten the growth of the grapes.

Winery insurance offers comprehensive coverage across every facet of your business operations.

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