MMA Blog

Insuring Wine from Vine to Bottle

Staring out at a picturesque vineyard at your favorite winery, you may assume that what you are drinking is grown and produced in this beautiful setting. But grape growers and wine producers know that, from the vine to the bottle, every journey is unique.

The reality is almost every winery does it a little differently. Most people don’t understand that a winery, is not just a winery. Do they farm? Do they have a crushing facility? Are they making wine or are they just a tasting room? Unique business models lead to unique risks and exposures for each business in the wine industry.

For starters, it helps to literally draw a map of production and workflow. In addition to looking at exposures, it's important to list out every supplier and entity that you have a relationship with. It helps discover if you are reliant on another business for success. If a major supplier or vendor had something happen that would halt operations, there may need to be contingent business interruption coverage. And always review contracts to make sure that exposure is properly covered at every step. Utilizing MMA’s Riscover process helps guide our conversation with clients to discuss all the insurance and non-insurance solutions to help manage their risks and exposures.

Evaluation

This also includes proper valuation of the wine itself. Are you are producing and selling a $22 wine or a $200 boutique wine? If there was a huge leak or contamination at some point, having the proper valuation is the difference.

This is part of an ongoing discussion with clients and an annual risk evaluation. MMA strives to simplify the process for clients. Having the right insurance and contracts in place beforehand can make it much more straight forward.

Many insurance companies and underwriters actually prefer that contract language with a vendor or partner includes the insurance requirements. If it is not spelled out in a contract, underwriters may have difficulty making decisions on the coverage. Having the right contract language in place makes it much easier to get the right insurance coverage in place.

In the end, the goal is to remove the uncertainty. The MMA Riscover process allows clients to be confident that if someone has a bad day, no one is going to wonder who is responsible.

 

 

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This content is for informational purposes only.  Consult your actual insurance policy for details regarding terms, conditions, coverage, and exclusions.

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