Vineyard Insurance

Specialist winery insurance from niche cuvées to global operations

Our vineyard insurance solutions are broad and flexible, covering your winery’s diverse and niche needs, from roots to retail. We cover library wines, harvested wines and staged-release wines, and offer E&O Liability if you operate in the event space.

We also offer flexible solutions to cover specific operations. What's more, we'll value your loss at selling price. That way you'll be covered should something happen to your wine, like an accident or natural disaster.

You need to protect your business should your wine find its way down the drain. With our wine leakage coverage and fair wine valuation, you’ll have true protection against losing wine.
Many vineyards use chemicals at some point. Even with responsible use, the direction of the wind or human error can have a negative impact on people, animals and other crops. Our Agricultural Drift Insurance guards against mishaps arising from the use of vineyard chemicals.
Liquor liability cover is a must for wineries with tasting rooms. It will help protect your winery against injury or damage that is directly related to your sale of alcohol.
Wine can be recalled for a number of reasons, from improper labeling and tainted wine to a hazard with the bottles. Our Product Withdrawal Insurance addresses the expenses of having to recall wine. It can also be extended to cover:
 
  • the cost of announcing a withdrawal
  • overtime to employees or contractors working on the withdrawal
  • transfer or shipping costs to move tainted wine
  • storage space for up to one year after the withdrawal
  • bills to dispose of the defective wine
Winemaking is a specialized job, so it's not always easy to find an employee with the skill set you need — especially on short notice. Our Key Employee Extra Expense Insurance can help you recruit, relocate and train a new employee should you have an unexpected vacancy due to a permanent disability or death.
The products and services described on this page may not be available in all AGCS locations. Please contact your local office for full information on local product availability.
Climate disruptions hit agribusiness which depend on stable soils and climatological consistency to deliver a viable product. How will raging wildfires, searing temperatures and flooding rains change the business?
The 2017 and 2018 California wildfire seasons have been recorded as two of the deadliest in state history, but several properties could get preserved from devastation.

Annual survey identifying business risks

Technology is breeding new threats as well as business models. Traditional risks such as natural catastrophes continue to challenge while other threats such as cyber, neck-and-neck with business interruption at the top of the Allianz Risk Barometer 2019 for the first time, reputational risk, increasing exposure to intangible assets and volatility and consolidation in the corporate environment evolve daily.

Top 3 risks for small enterprise companies

  1. Cyber incidents (32%) - 2018 rank: 2 (30%)
  2. Changes in legislation and regulation (30%) - 2018 rank: 5 (22%)
  3. Natural catastrophes (27%) - 2018 rank: 3 (28%)
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Allianz operates as an international insurer on almost every continent. Find Allianz in your own country/region.
With the Allianz network AGCS provides services in over 200 countries and territories.