- 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.
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- $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)
- 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
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- Business Income
- Extended Business Income
- Extra Expense
- Civil Authority
- Tenants Leasehold Interest Loss
- Electronic Data
- Preservation of Property
- Contingent Transit
- 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
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