As the wine industry has evolved, modern agriculture businesses face many unique exposures. To deal with the variety of natural, economic and human perils the industry faces, selecting the right insurer is a must. You need insight and advice to help make crucial decisions to keep your business moving forward.
With unique exposures such as Pollution, Vine and Tree Coverage, Harvested Products, Transit, Contamination, Leakage, Liquor Liability and Product Recall, customizing a specialty policy to meet your needs is key. Let us cultivate a program that fits your needs.
For example, Product Recall will cover the cost of getting a defective product back that would be responsible for possible bodily injury or property damage from its use or existence. Standard product liability insurance does not cover this exposure.
You must also make sure that your insurance package covers your vines as well as equipment and stock, as well as business income if a loss were to occur. It’s easy to focus on the staples such as building, equipment and premises liability insurance but there’s so much more to consider including workers compensation, commercial auto liability and event liability.
For more information on how a custom program can protect your winery or vineyard, contact us today.