About Winery Plus
  • WineryPlus is a specialty insurance program for wineries (bonded & virtual), vineyard estates, and custom crush facilities. WineryPlus is underwritten through an A.M. Best ‘A’ (Excellent) rated insurance carrier. The program provides coverages that are specific to Wineries, such as:
    • Wine Leakage by operator error, tank implosion or valve malfunction with any limit available
    • Wine Stock covered at Agreed Value or Market Price with no coinsurance
    • Harvested unprocessed fruit, wine in-process, and finished products included as Stock
    • Property in Transit, Trellis and Grape Vines and Damage to Stock.
    • See below for a more complete list of the coverages the policy provides.
Coverage Summary
General Liability
  • $1,000,000 / $2,000,000 Limits
  • Separate Liquor Liability Limit
  • Broad Named Insured Definition
  • Special Events
  • Blanket Additional Insured
  • No Charge for Certificates
  • Per Location General Aggregate
  • Fellow Employee Coverage
  • Separation of Insureds
  • Blanket Limit for Buildings, Business Personal Property, and Stock (described premises)
  • Blanket Limit for Coverage Extensions
  • No Coinsurance Penalty
  • Replacement Cost for Buildings
    and Business Personal Property
  • Agreed Value and Market Price options for Stock
  • Wine Contamination (no sublimit)
  • Wine Caves, Solar Panels, Winery Equipment, and Barrels included as Covered Property
  • Harvested unprocessed fruit, wine in-process, and finished products included as Stock
  • Blending Errors (optional)
  • Unnamed Locations (optional)
  • Earthquake Sprinkler Leakage (optional)
Coverages Specific to Wineries
  • Trellis and Grape Vines
  • Property in Transit
  • Wine Leakage
  • Mobile Equipment
  • Damage to Stock:
    • On premises power failure
    • Off premises power failure
    • Nesting, infestation, or discharge or release of waste products or secretions, by insects, birds, rodents, or other animals
Coverage Extensions
  • Business Income
  • Extended Business Income
  • Extra Expense
  • Civil Authority
  • Tenants Leasehold Interest Loss
  • Electronic Data
  • Preservation of Property
  • Contingent Transit
Additional Coverages
  • New Locations or Newly Constructed Property
  • Debris Removal
  • Fire Department Service Charge
  • Collapse
  • Water Damage, Other Liquids, Powder or Molten Material Damage
  • Pollutant Clean-up and Removal
  • Dependent Business Premises
  • Property at Other Locations
  • Personal Effects and Property of Others (other than stock)
  • Outdoor Property
  • Trees, Shrubs, Plants, and Lawns
  • Non-Owned Detached Trailers
  • Depositor's Forgery
  • Ordinance or Law Provision
  • Accounts Receivable
  • Valuable Papers and Records
  • Money and Securities
  • Employee Dishonesty
  • Fire Protection Devices
  • Cost of Inventory or Adjustment
  • Utility Services — Direct Damage
  • Utility Services — Business Income and Extra Expense
  • Contract Penalties
  • Arson Reward
  • Indoor and Outdoor Signs
  • Fine Arts
  • Water Processing
  • Packaging Errors
  • Unintentional Errors