Insurance for Wineries & Vineyards

A couple raises wine glasses for a toast at a fine restaurant.

Protecting the fruits of your labor

As a winery or vineyard owner, you know there is much more to making fine wines than simply growing grapes. Viticulture, oenology, equipment management, staffing, marketing and insurance are all integral components of a sophisticated operation. Whether your business is large or small you face unique risks, including extreme weather property exposures, wine spoilage and leakage concerns, chemical drift and liability claims. You may need customized insurance solutions. As a leading provider of insurance to agricultural businesses, Travelers Agribusiness is well-versed in the specific needs of wineries and vineyard owners. 

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Get coverage for your unique professional risks.

Who is vineyard insurance right for? 

  • Vineyard owners 

  • Virtual winery owners 

  • Winery owners 

  • Winery owners who host public tastings 

Winery insurance coverage

The below are key coverages and enhancements. Speak to your agent today to learn about all we have to offer.

Standard property coverages 

Covers buildings utilized for processing and warehousing, offices and tasting rooms, as well as:  

  • Newly constructed buildings – automatically covered for $250,000 for 60 days 
  • Improvements and betterments
  • Private power and light poles
  • Outdoor radio and TV equipment
  • Portable buildings and portable structures
  • Scheduled property including wine products, barrels and equipment
  • Newly acquired and/or replacement vineyard equipment automatically covered for $100,000 for 60 days
  • Primary coverage for borrowed, rented or leased vineyard equipment
  • Theft of miscellaneous tools and equipment on or away from the insured premises 

Standard liability coverages 

  • Liability coverage for bodily injury and property damage
  • Liability for personal injury and advertising injury
  • Product liability coverage
  • Liability coverage for damage to premises rented to you for $50,000 (can be increased)
  • Liquor liability coverage
  • Chemical drift liability coverage for $25,000 (can be increased)
  • Personal liability coverages for insured that are sole proprietors 

Custom coverage 

Winery property endorsement  

  • $25,000 for brands and labels expense
  • $25,000 for wine leakage (can be increased)
  • $25,000 for wine contamination (can be increased)
  • $25,000 for loss or damage to outdoor trees, plants and shrubs; $1,000 per tree and vine
  • Market value for your wine  

Orchard and vineyard growers property coverage endorsement  

  • $50,000 for damage or loss to vines; $1,000 per vine
  • $5,000 for loss or damage to signs
  • $5,000 transit coverage
  • Harvested grapes and related packaging materials and containers  

Product recall expense coverage 

  • Provides coverage for certain expenses incurred for removing an unsafe product from the market  

Vineyard managers program 

  • Expanded scope of chemical drift coverage is not limited to drift from an insured location 

Optional coverages 

  • Wine while stored off premises
  • Wine stored for others
  • Special events
  • Equipment breakdown
  • High valued dwelling coverage
  • Fine arts
  • Computer/electronic data processing equipment
  • Business income and extra expense
  • Accounts receivable
  • Valuable papers and records
  • Money and securities
  • Crime, fidelity
  • Directors & officers
  • Utilities services
  • Employee practices
  • Identity fraud expense 

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Farm and ranch owners, commercial growers and packers

Helping insure your growing business by providing competitively priced programs for farms and ranches.

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Related services

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Insights to help you manage risks at work and on the road

Business person smiling and carrying a red folder.

Find an insurance agent

Get coverage for your unique professional risks.