Ashland Insurance

Your local Independent Agents Since 1981

Wineries and Vineyards Insurance Coverage

Wineries and vineyards insurance coverage
Wineries and vineyards insurance coverage


Wineries are not like a typical farm and therefore a basic farm policy does not usually apply to most wineries. This is why most insurance companies have developed special winery and vineyard insurance programs that cater to the special needs of wineries. Wineries have guests and host special events and have special equipment and expensive inventory. Climate change and the wildfires have also taken a toll on many wineries and have devastated large areas in the wine country leaving many wineries struggling and in some cases going out of business.

Wineries need liability coverage first and foremost. They also need special viticulture equipment coverage, commercial auto coverage for their vehicles, workers’ compensation, and more. Running a winery is a complicated operation with many components even for small wineries. No matter the size of the winery, all wineries have to face similar risks including extreme weather, wine spoilage, and leakage concerns, chemical drift, and liability claims. These risks require special and highly customized insurance solutions.

Winery coverage:

Most winery insurance policies cover the following:

  • Property: Covers buildings utilized for processing and warehousing, offices and tasting rooms, improvements and betterments, private power and light poles, portable buildings and portable structures, scheduled property including wine products, barrels, and equipment, primary coverage for borrowed, rented, or leased vineyard equipment, theft of miscellaneous tools and equipment on or away from the insured premises
  • Liability coverages: Basic and comprehensive liability coverage for bodily injury and property damage, liability for personal injury and advertising injury, product liability, liquor liability, and chemical drift
  • 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
• Utility services
• Employee practices
• Identity fraud expense

Some, most or all these optional coverages could apply to a winery. If you need additional information on our wine programs and how we could customize your coverage to better fit your needs and your operations, please contact us to speak to one of our team members about vineyard insurance by calling 541-482-0831, or request a quote online