Vintners and Growers

Keep the Good Times Flowing with our Insurance for Wineries, Vintners & Growers

Customized vineyard & winery insurance coverage to keep your business (and grapes) flourishing

Home    |   Business Insurance   |   Vintners And Growers

Wineries, Vintners, and Growers

What Insurance is Right for You?

As a winery owner, grower, or manufacturer, you know there’s more to making good wine than simply growing grapes. With all the time and work that goes into each bottle, you need the right insurance to protect you from exposures. Like grapes, insurance comes in many varieties and can be complex.

Robust Insurance for Wineries

Vintner and winery insurance brokers need to understand the risks and challenges you face with your business.

At Heffernan Insurance Brokers, we have a dedicated team whose main goal is to get you the coverage and protection needed for your wine business before disaster strikes.

Our insurance includes more than just coverage – we also offer extensive risk management strategies, webinars, and other resources – with the ultimate goal to save you money while protecting your most important assets.

We’re familiar with the winemaking process from start to finish.

Whether your business is family-owned or global, your coverage will be tailored to fit your operation’s needs – managing applicable agricultural, manufacturing, and hospitality exposures.

We have custom policies for the specific aspect your wine business focuses on in the market.

Who Needs Winery Insurance, Vintners Insurance, & Wine Growers Insurance?

Winery insurance is for professionals or businesses in the wine industry like wineries, vintners, wine growers, and other related businesses.

Some common wine businesses that are covered by our insurance programs include:

  • Wineries
  • Wine Shops
  • Wine Bars
  • Vintner Businesses
  • Wine Growers
  • Wine Vineyards
  • Wine Estates
  • Vineyards
  • Tasting Rooms
  • Transportation / Delivery
  • Overnight Guests
  • Wine Tours / Wine Events
  • Wine Consultants
  • Wine Co-operatives
  • Wine Crush Facilities
  • Wine Conglomerates
  • Wine Exporters
  • Wine Manufacturers
  • Wine Growers
  • Wine Cellaring Businesses
  • Catering
  • Custom crushing operations
  • Bottling
  • Special Events, Winemaker Dinners, Weddings, etc.

Our comprehensive wine and vineyard insurance packages are tailored to your individual operations; whether you’re a vertically integrated winery, wine negociant or operate an individual tasting room. Whether you’re producing millions of cases per year, or less than a thousand, we have a solution for you.

Winery / Vintner Policy Details


A comprehensive insurance policy should cover your wines and your wine property, as both are vulnerable to loss. A shipment of wine could be damaged in transit, a fire, or during an earthquake.

Your wine is unique and so should your winery insurance policy. Don’t let your losses total in the millions. We can work with you to create the custom winery insurance policy you need.

Grower Policy Details


Wine growers and vineyards require unique insurance policies to protect vineyard assets and crop. Our coverage is tailor-made for vineyards, farm vineyards / wine orchards, custom crush facilities, and vineyard housing. Each policy should contain personal liability coverage for accidents or injuries that may occur on property.

Don’t wait until it’s too late to get the insurance coverage you need for your vineyard.

Risk Management for Winery, Vineyard, and Vintner Businesses

From property losses, to earthquake damage, to damaged wine barrels, don’t let your wine or your grapes cause you to figure out how to recover from expensive losses without a plan in place.

There are 5 main risks for wineries and vineyard businesses:

  • Damage of buildings & inventory. This is commonly a result of a natural disaster from earthquakes or fires. Natural catastrophes pose a very significant threat to wineries and vineyards.
  • Wine leakage. Whether the wine leakage is caused by a problem in the storage or as a result of transportation damage, you’ll be losing money if you’re not properly covered.
  • Wine stock contamination. Wines can become contaminated from pesticides, arsenic, fungus, and many other outside contaminants such as smoke (smoke taint). Contamination results in an entire stock being lost. The last thing you want is for your wine stock to become unusable.
  • Business interruption. As the name suggests, business interruption insurance is important when it may take some time before a business can get back to business as usual. Buildings may be unsafe, employees may be unsafe, or even property or equipment may need to be repaired. In situations outside of your control, business interruption insurance is an important need in our world today.
  • Liability insurance. Wineries offering tastings face the same liability issues as bars. Employees serving minors or inebriated individuals are a major concern. You may also be held responsible for any injuries that may occur while someone is on premises.

Wine Insurance Programs to Help You Mitigate Risk


  • Non-owned auto policy
  • Accident reports for guest injury
  • Emergency Action Plan
  • Fall Protection
  • Lockout/Tagout
  • Respiratory Protection
  • Hazard Communication
  • Forklift
  • Confined Space
  • Hearing Conservation
  • Heat Illness


  • Property Damages
  • Wine stock programs and transit
  • Mobile equipment
  • Equipment breakdown
  • Quake and flood
  • Crop insurance
  • Disaster insurance
  • Bonds

Other Coverages

  • Employee benefits
  • Personal insurance including owner occupied dwellings
  • Workers’ compensation with employee housing
  • Farm and commercial auto

How to Choose the Right Wine Insurance Policy

For an overview of the wine insurance marketplace, check out our videos and webcasts.

Why Heffernan?

Heffernan Insurance Brokers has been a trusted leader in delivering exceptional coverage in winery insurance, vintner insurance, and wine grower insurance for many years. Heffernan maintains its leadership in the industry by being members of reputable organizations like the Wine Institute, the Wine Industry Network (WIN), Wine Industry Advisors, Napa Valley Chamber of Commerce, Napa Valley Grape Growers, and many others.

Get a Custom Wine Insurance Quote Today

We believe that just like wine, you want an insurance broker that is bold, balanced and has a good finish! We believe we are the right wine insurance broker for you. Connect with our team leaders today and learn more about your policy options to stay well protected and save money!


Let’s Get Started!

  • Easy quotes with NO PAPERWORK
  • Locked-in rates
  • Automatic renewal

Heffernan Winery Insurance Practice Leader

Debra Costa

D: 707.789.3051
[email protected]

Pin It on Pinterest