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What is winery insurance?
Winery insurance is a package of insurance coverages designed to transfer liability risks and commercial property damage from a winery owner to their insurance company. Liability insurance is available in various forms and covers the costs of being sued due to an insured peril.
Property insurance, on the other hand, prevents you, the business owner, from paying out of pocket for the high costs of replacing, repairing, restoring and re-growing your commercial property should it be damaged or destroyed by an insured peril such as a fire or natural disaster. All insurance policies, whether for liability or property, are subject to the coverage limits listed on the policy, so it's essential to ensure that the coverage limits are adequate to get you the insurance compensation you need to get your business back on track if something goes wrong.
What is the Orchard and Vineyard Growers Property Endorsement?
It covers vines, trees and unharvested crops as an add-on to commercial property. There are coverage limits per plant plus an overall vineyard limit. Example: a vehicle swerves into the vineyard and destroys vines plus trellises and stakes, both are compensated up to policy limits.
Why do wineries need extended Business Interruption coverage?
Standard BI covers a few months. Vine re-growing takes a year or more. Winery insurance requires an additional BI endorsement to extend the income compensation period. Without the extension, income compensation stops before vines can produce again.
What is Product Recall Coverage?
Product Recall Coverage applies to voluntary or involuntary recall. It covers retrieval, rehabilitation and disposal, government fines, loss of income and reputation management. Exact coverage varies by insurer.
Is winery insurance legally required?
Winery Insurance is not legally obligated in Ontario. However, while winery insurance is not a legal requirement, it is recommended for wineries and vineyards to have insurance coverage to protect their business and assets against potential risks and liabilities. It is important to consult with an insurance professional to understand the specific insurance requirements based on your winery's unique circumstances and any applicable laws or regulations.
How much liability coverage does a winery need?
$2 million minimum for a closed-to-public winery. Significantly more is needed for event-hosting or public-access wineries (tastings, weddings, restaurant or bar), more public access plus alcohol means higher liability exposure.
