Winery Insurance

Tailored Insurance Solutions for Wineries, Vineyards & Wine Producers

From cultivating premium grapes to bottling world-class vintages, running a winery involves more than craftsmanship—it requires protecting your people, property, and production from risk.

Heffernan Insurance Brokers provides customized Winery Insurance solutions designed to safeguard vineyards, equipment, inventory, events, and every step of the winemaking process. Whether you’re a boutique estate or a large commercial operation, we deliver comprehensive coverage built for the business of wine.

Why Do Wineries Need Specialized Insurance?

Wineries face a unique blend of agricultural, manufacturing, retail, and hospitality risks. A single equipment failure, crop loss, or liability claim can disrupt operations or impact your brand. Winery insurance helps protect against:

• Damage to fermentation tanks, barrels, and production facilities
• Crop failure due to weather, disease, or pests
• Liability from onsite tastings, tours, or special events
• Product recall or contamination issues
• Business interruptions caused by fire, storms, or breakdowns

Tailored winery insurance ensures you stay protected from the vineyard to the tasting room.

What Does Winery Insurance Cover?

Winery insurance is made up of multiple policies that work together to protect your business assets, operations, and revenue. Key coverages include:

Property Insurance

• Coverage for buildings, tasting rooms, production areas, and storage barns
• Protection for wine barrels, tanks, bottling lines, and cooling systems
• Weather, fire, vandalism, and theft protection

Crop Insurance

• Protection for grapevines and yields affected by drought, frost, hail, pests, or disease
• Options for yield protection and revenue protection

General Liability Insurance

• Covers bodily injury or property damage to visitors or third parties
• Essential for tasting rooms, vineyard tours, and events

Product Liability Insurance

• Covers claims related to illness or injury from wine consumption
• Important if you produce or distribute directly to consumers

Liquor Liability Insurance

• Protects against alcohol-related incidents on your premises
• Required if you serve wine during tastings, events, or retail sales

Business Interruption Insurance

• Replaces lost income during a covered shutdown (e.g., fire, equipment failure)
• Helps cover fixed costs during downtime

Equipment Breakdown Insurance

• Coverage for fermenters, refrigeration, bottling machines, and other systems
• Helps pay for repair or replacement after mechanical failure

Workers’ Compensation Insurance

• Covers injuries to vineyard laborers, production staff, and tasting room employees
• Required in most states

Who Needs Winery Insurance?

Heffernan serves wineries and vineyard businesses across the wine supply chain, including:

• Family-owned and estate wineries
• Commercial wine producers and bottlers
• Vineyards (with or without production facilities)
• Tasting room and event space operators
• Wine tourism businesses and agritourism venues
• Custom crush facilities and wine storage providers

If your business touches any part of wine production, distribution, or service, you need dedicated coverage.

How Much Does Winery Insurance Cost?

Premiums for winery insurance depend on:

• Size and type of operation (boutique vs. commercial)
• Total insured property and equipment values
• Crop acreage and location risks
• Presence of on-site hospitality or alcohol service
• Claims history and loss control practices
• Selected coverage limits and deductibles

Heffernan works with top-rated carriers to build cost-effective insurance programs that reflect your unique exposure, without overpaying.