Wineries & Breweries Insurance
Madison Avenue Insurance Group has access to the top winery carriers in the marketplace. Due to the varied scope of operations and complex nature of wineries, we offer individual solutions based on needs.
Package offerings are available for all sizes of wineries from small start-ups to large, established operations.
Winery Operations & Coverages
- Farming Operations
- Crop Coverage
- Special Events
- Restaurant & Catering
- Lodging
- Tasting Rooms
- Custom Crush
- Buildings & Equipment
- Tenant Improvements & Betterments
- Wine in Process
- Wine in Barrel
- Packaged Wine for Sale
- Wine Contamination
- Tank Leakage
- Wine in Transit
- Errors & Omissions Liability
- Pollution
- Cyber Liability
- Employers & Client Discrimination Coverage
- Commercial Auto
- Wine Storage
- Health Insurance
- Life Insurance
IF YOU HAVE ANY CONCERN FOR SMOKE TAINT; TEST YOUR GRAPES AND CALL YOUR CROP INSURANCE CARRIER PRIOR TO HARVESTING!
Lab for Testing Grapes
- Testing Grapes for Smoke Tint
Liability insurance covers claims made against your business by someone who has experienced or claimed to have experienced bodily injury or property damage. It can also provide coverage for injuries sustained from your product, claims for libel, slander or defamation, and claims filed by your employees or other 3rd-parties.
Coverage includes legal and defense costs.
Employers & Customer Discrimination Coverage
First party Employers Practices Liability coverage protects you from discrimination, harassment or wrongful rental/eviction type claims brought on by your employees.
Third party Employers Practices Liability coverage protects you from claims brought by your customers, vendors or suppliers.
Coverage includes can include legal costs which can add up quickly.
Loss of Income Coverage covers the loss of income due to damage to a company’s physical property. While property insurance covers physical damage, business income coverage pays for lost revenue during the restoration period. Coverage includes costs to relocate while repairs are being made.
Wine Contamination
Protects against loss due to non-wine making substances spoiling the wine, such as cleaning chemicals or vermin.
Wine in Transit
If you are hiring a company to pick up and move your wine to a 3rd party wine storage who is responsible for loss if the trucking company is in an accident and your wine is destroyed?
The transport company likely has insurance for THEIR loss, but what does the contract between the winery and the tucking company state? Most contracts hold the trucking company harmless of your wine loss. In this case, the winery policy needs to have In Transit coverage for the retail cost of the wine being transported.
Error & Omissions or Professional Liability provides coverage for winemakers making wine for others. This does not provide coverage for bad blending; it provides coverage for errors such and accidentally not cleaning a barrel or improper storage resulting in wine being unusable.