Coverage Highlights

Basis of Coverage

• Occurrence and claims-made coverage

Optional Core Coverages

• General liability
• Liquor liability
• Property
• Boiler and machinery
• Mobile equipment
• Crime
• Business auto
• Excess liability

Specialty Enhancements

• Selling pricing and agreed value options (stock)
• Blanket limits (property, business personal property and stock)
• No coinsurance penalty
• Contamination
• Leakage
• Transit
• Stock at unnamed locations
• Special events
• Farm and vineyard liability

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Managing Wine Makers’ Risk

Tailored Loss Control Our unique approach to loss control is built around deep expertise in the business of wine making. Many of our programs provide risk management and claims features you won’t find in any
other winery programs:

• Stop Loss Limit – Unique in the industry, an approach to property insurance is intended to allow for numerous property coverages to be triggered with the use of a single property deductible in most instances.
• Claims Management – Our Insurance Carrier’s ability to proactively manage claims has resulted in historical client retention.
• Loss Control – With many years in the wine industry, we understand our clients’ operations.

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Other Considerations

Coverage Options Continued

• Wine leakage
• Contamination
• Property
• General liability
• Commercial auto
• Workers’ compensation
• Excess liability
• Management liability
• International
• Bonds
• Bulk wine / cased goods
• Coverage Notes