Vineyard Insurance

Comprehensive Coverage for Vineyards, Crops, and Operations

Operating a vineyard is both a long-term investment and a labor of love, but it also comes with unique risks, from unpredictable weather and pest damage to equipment failure and liability concerns. That’s why tailored vineyard insurance is essential to protect your vines, your property, and your livelihood.

At Heffernan Insurance Brokers, we help vineyard owners secure comprehensive insurance programs built for the realities of grape cultivation and wine production. Whether you run a boutique family vineyard or a large commercial estate, we design custom coverage to support your business continuity and long-term growth.

Why Do Vineyards Need Specialized Insurance?

Vineyards operate at the intersection of agriculture, hospitality, and manufacturing, which means your exposures are broader than most traditional businesses. Without the right protection, one event could cause significant operational and financial setbacks.

Vineyard insurance helps protect against:

• Crop losses from hail, frost, drought, pests, and disease
• Damage to buildings, irrigation, or production equipment
• Liability risks from tours, events, or product contamination
• Operational disruptions from fire, natural disaster, or machinery failure
• Compliance gaps with evolving agricultural and safety regulations

Heffernan’s vineyard insurance solutions are designed to mitigate these risks while supporting your business year-round.

What Does Vineyard Insurance Cover?

We offer a flexible suite of coverage options tailored to your vineyard’s size, activities, and risk profile. Common coverages include:

Crop Insurance

• Yield and revenue protection for grape harvests
• Coverage for weather events, pest infestations, disease, or poor yield
• Replanting coverage for damaged or destroyed vines

Property Insurance

• Coverage for vineyard buildings, barns, trellising, fences, irrigation systems
• Equipment protection for tractors, sprayers, harvesters, and cooling units
• Coverage for theft, vandalism, fire, and severe weather

General Liability Insurance

• Third-party injury or property damage on your vineyard premises
• Event liability for tastings, tours, and on-site gatherings
• Premises and product liability related to grape products or hosted experiences

Business Interruption Insurance

• Coverage for lost income and fixed expenses due to crop failure, fire, or machinery breakdown
• Helps your operation stay afloat during a covered disruption

Equipment Breakdown Insurance

• Covers repairs or replacement for essential machinery
• Protects harvesters, irrigation systems, cooling units, and more

Workers’ Compensation Insurance

• Required for vineyards with employees or seasonal labor
• Covers medical costs and lost wages for work-related injuries

Who Needs Vineyard Insurance?

We serve a wide range of clients involved in grape cultivation and vineyard operations, including:

• Vineyard owners and estate operators
• Wine producers managing both vineyards and production
• Contract grape growers and leased-lot operations
• Agri-tourism vineyards with public events or tastings
• Family-owned vineyards and generational farms
• Commercial vineyard enterprises with large-scale production

If your business relies on grape cultivation in any capacity, specialized insurance is essential.

How Much Does Vineyard Insurance Cost?

Premiums are based on multiple risk factors unique to your operation:

• Vineyard size, acreage, and location
• Type and value of crops, equipment, and structures
• Weather and geographic exposures (fire, hail, drought)
• Historical crop yield and claims history
• Coverage limits, deductibles, and endorsements selected

At Heffernan, we work with top carriers to create cost-effective programs that deliver robust protection and long-term value.