Operating a winery or vineyard is a complex process. There are numerous tasks to handle and some risks associated with each. It’s important to talk with an insurance agent to get the proper protection; here are some policy types you may need.

3 Options Winery & Vineyard Operators Should Consider

1. Liability Insurance

Liability insurance is helpful for any business, as it shields them from the court costs from potential customer lawsuits. Wine organizations may be so focused on their other concerns that they look past general liability protection. What happens if a customer claims they had a health problem after drinking your wine? What if someone slips on liquid in the tasting room? Liability insurance can save you in instances like these, so talk to an insurance agent about getting the right policy.

2. Crop Insurance

Part of the wine-making process involves picking grapes. However, before they are picked and packed into a shipping container, they need to be protected. Natural disasters, insects, vine infections, and other hazards can wreak havoc unexpectedly. Crop insurance lets you recoup some of what you’ve lost. 

3. Equipment Insurance

Working in the business of making wine requires you to use a variety of equipment. If you’re one who finds hand-picking your grapes to be a little slow, you likely use a grape harvesting machine. What if that breaks down – can you cover the cost? The same could be said about the HVAC unit in your storage facility. If it malfunctions, can you cover it out of pocket before your inventory spoils? How about your testing equipment? You may need separate policies for different types of equipment, so talk to your insurance agent about each.

When you need an insurance agent for your new winery, Bruce Richardson, a State Farm Agent in Mooresville, IN, has you covered. He’ll work with you to determine the best policies and coverage limits for your needs. He also offers many other essential insurance products for your complete protection. To find out more, call (317) 831-3500.