The Governor Insurance Agency understands that you have worked hard to become experts in your winery and vineyard, and we want to insure your growth.
Let the Governor Insurance Agency be the expert in insuring your business.
Most agents offer the standard insurance coverage package, which would include your general liability and basic property coverage, but these agents are not familiar with the special coverage that is available, let alone necessary to protect your business.
There are many coverage enhancements that the Governor Insurance Agency offers for your winery and vineyard, and below are a few specific and recommended coverage.
- Winery Property
- Liquor Liability
- Winery Leakage
- Wine Contamination
- Tree, Plants and Shrubbery
- Orchard and Vineyard
- Vine Damage
- Harvested Grapes
- Wine value coverage
- Product Recall Expense
- Sign loss or damage
- Packaging materials
This Liquor Liability Insurance will protect your business from its legal liability arising from personal injury or property damage caused by an intoxicated person that was sold beverages by your business.
This Winery Leakage Insurance will provide up to $25,000 in coverage for Wine Leakage. You can increase this coverage amount if necessary.
This Winery Contamination Insurance will provide up to $25,000 in coverage for Wine Contamination. You can increase this coverage amount if necessary.
Tree, Plants and Shrubbery
You will also be provided with a $25,000 limit of coverage for the loss or damage to outdoor trees, plants or shrubs. This coverage will pay a maximum of $1,000 per tree, plant or shrub.
Wine Value Coverage
This will provide you with coverage to insure a loss incurred will be covered at the current market value of the product.
Product Recall Expense
This will cover the cost you may incur for removal of an unsafe product from the market.
It is recommended that if your business has any employees, subcontractors or independent contractors, you take the proper steps to protect yourself as well as your employees, subcontractors or independent contractors.
Workers' Compensation Insurance is a "no-fault" insurance coverage that applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the coverage includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers' Compensation provides for the payment of four types of benefits:
- Medical benefits
- Income benefits
- Death benefits
- Rehabilitation benefits