Specialized protection for all aspects of your business.
酒庄 insurance written by Universal Group, Ltd.
酿酒厂是独特的，因为它们有多种业务类型的元素, 包括农业, 制造业, 零售, 和娱乐, all of which require specialized coverage.
Your insurance should be as unique as the wine you make.
由于您的业务面临许多风险暴露，从各个层面保护您的酒庄可能会很复杂. 拥有一个了解酒庄运作和所涉及的具体风险的保险公司可以确保适当的保险范围，并避免政策上的空白.
Increased risks for wineries operating on one plot of land.
大多数酒庄都是种植的, 生产, 商店, and sell their wine on the same plot of land, which opens them up to even more risks should something happen, 比如火灾或破坏公物. 除此之外, some winery owners live on the property as well, which requires personal liability insurance. 幸运的是，有许多保险选择可以保护您的酒庄，其中包括:
- 农作物保险
- 藤蔓和棚架覆盖
- 产品召回
- 设备故障
- 污染和变质
- 酒责任
- 特别事件保险
- 犯罪的报道
- 农场的责任
- 内陆水运
交互式图形
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- 发现你的风险.
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商业地产
风险因素
Every winery is a significant financial investment; couple that with an above-average exposure to loss, and selecting the correct business property coverage is critical.
解决方案
商业财产保险将赔偿因承保损失而造成的财产损坏或毁坏. You can add endorsements to customize coverage, 比如合同取消, 坦克崩溃, 储罐泄漏, 移动设备覆盖范围.
一般责任
风险因素
If open to the public, you are responsible for the well-being of visitors. 如果你提供酒庄之旅、品酒会或特别活动，这种曝光会被放大.
解决方案
Given the possible hazards guests can be exposed to, 重要的是将旅行限制在安全区域和预先规划的路线上. General liability insurance provides coverage for bodily injury, 物理伤害, or other personal injury related claims.
商业汽车
风险因素
汽车的曝光是很重要的，特别是如果你处理你自己的分销. 人身伤害和财产损失会使你的企业面临重大的财务风险.
解决方案
商业汽车保险保护您的卡车车队和酒厂拥有的任何其他车辆. 除了, if employees drive personal 车辆 for business use, you need hired and non-owned auto liability insurance.
犯罪的报道
风险因素
如果你信任的员工被发现在工作中做了不诚实的事，你会怎么做?
解决方案
犯罪范围可以在你的商业财产保险单中获得, 但是覆盖范围非常有限. Consider a standalone policy as well.
酒责任
风险因素
任何出售, 服务, or assists in the purchase or use of liquor is open to a liability claim. 如果顾客在你的酒庄喝醉并造成伤害或财产损失，可能会引起诉讼, even after they leave your property.
解决方案
If you are in the business of selling or serving alcohol, 这是至关重要的，你保护自己免受潜在的经济损失，由酒责任保险政策覆盖. Having the right policy in place could help cover your legal costs, 法院的费用, 以及任何与酒有关的民事或刑事损害赔偿.
设备故障
风险因素
在酿酒厂中，总是存在设备突然和意外故障的风险, and repair or replacement costs are often high. 设备故障保险可以帮助支付维修或更换设备的费用. It can also cover losses associated with interruption of the business.
解决方案
设备故障通常不在商业财产保险单的承保范围内. Obtaining separate equipment breakdown coverage addresses this exposure.
污染和变质
风险因素
如果一批葡萄酒因冷藏故障而变质或污染, 公用事业中断, or some other type of foreign substance, 酿酒厂会失去很多, including the loss of product and subsequent revenue.
解决方案
寻求污染和损坏的保险，以帮助抵消与这些事件相关的成本.
内陆海上保险
风险因素
Once the grapes have been harvested and the wines blended, make sure your valuable product is protected no matter where it is. Wine in transit also needs coverage for physical loss or damage.
解决方案
酒庄的内陆海上保险可防止在运输过程中财产或库存的直接实物损失或损害. 与你的风险管理人员讨论储存在你的物业内的葡萄酒和储存在物业外的葡萄酒的不同政策.
工人的补偿
风险因素
Workers’ compensation coverage is required by law. There is a high demand for wine, but demand can lead to haste. 匆忙导致事故和伤害，推高了工人的赔偿成本.
解决方案
促进工作场所安全和管理暴露可以大大减少工作场所伤害的频率和严重程度. 主动应对高风险情景有助于控制员工的赔偿成本.
网络责任
风险因素
Customers and employees who entrust you with private information, such as credit card or social security numbers, 让你处于危险之中. 如果此数据丢失, 偷来的, 或妥协, you may be legally obligated to alert those affected by the breach.
解决方案
确保网络责任政策可以支付与合规要求和缓解费用相关的成本, such as data breach notification, securing legal counsel to advise on incident response, 信用监察服务, 公共关系费用, 管理防御, and penalties arising from privacy law violations.
产品召回
风险因素
每个制造商都面临着产品在分销后出现问题的可能性. A product recall can involve lost time, 额外运费, 以及与没有可供消费者购买的可销售产品相关的损失.
解决方案
Product recall coverage helps pay for costs related to removing recalled, 损坏的, or dangerous products from the marketplace.
Employment Practices Liability Insurance
风险因素
据估计，五分之三的企业将被员工起诉. Companies are vulnerable during the pre-hire process, 在就业, and during a reduction in workforce. Claims can arise in any size operation. You can do everything right and still be sued.
解决方案
保险范围以独立保单的形式出现，对您的风险管理策略至关重要. It protects against discrimination, 错误的终止, 性骚扰, and other employment-related allegations.
农作物保险
风险因素
Without viable grapes, you would be unable to 生产 wine. 因此，保护你的葡萄收成应该是你的第一道防线.
解决方案
Wineries need crop insurance for the cost of crop damage due to weather, 葡萄树/昆虫感染, 火灾, 洪水, 还有其他危害.
Outdoor 藤蔓和棚架覆盖
风险因素
Damage to vines and trellises can hinder production of your wines, resulting in in loss of product and revenue.
解决方案
室外的藤蔓和棚架覆盖可以防止与风有关的损失, 火, 破坏公物, 车辆, and aircraft damage that threaten the growth of the grapes.
农场的责任
风险因素
A farm can be more than your place of business; it can also be your home. 出于这个原因，您需要确保您努力构建的内容受到保护.
解决方案
Farm liability insurance is designed to meet your farm’s unique needs, 通常包括房屋, 操作, 农产品, 污染, and other farm-specific liabilities.
特别活动
风险因素
Wineries often participate in numerous events throughout the year. 许多保险单都包含所谓的指定场所背书. 在较高的层次上，这将覆盖范围限制在保单上指定的前提(酿酒厂)。. Participating in a 酒庄 Expo or 5k Fun Run? Liability associated with events like those may not be covered.
解决方案
确保你的报道涵盖了你想参加的任何活动.
环境责任
风险因素
Environmental liability exposures are not just for oil companies, 核电站, and industrial mining 操作. Wineries have wastewater and waste management concerns. 根据酒庄的位置，以前的使用也可能是一个问题.
解决方案
Strict liability laws apply to the winery industry. Court-ordered injunctions, fines, and cleanup costs can be crippling. 几乎所有的商业责任保险单都包含某种类型的污染排除条款. Coverage exists for this exposure through a standalone policy.
The importance of liquor liability coverage.
It’s important to understand the risks involved, 特别是对于向公众开放的葡萄酒品酒和其他特殊活动的酿酒厂, where it is essential to have liquor liability insurance. 例如, 如果有人喝了太多酒，造成了伤害或财产损失, this would cover you against potential lawsuits, which can be expensive to defend against such claims.
Insurance for the business side of winemaking.
酿酒厂的另一个组成部分包括葡萄酒的生产和制造, as well as the losses associated with that process. From the loss of crops to equipment breakdown, 存储, 运输, 和腐败, 所有这些风险都应该在你的酒庄保险政策中考虑. 除了专业的保险，在一天结束的时候，酒庄是一个企业. 像这样, it also requires more generalized business insurance coverages, including workers’ compensation, 一般责任, 网络责任, 商务汽车.
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