Winery Coverage
Vintner Insurance Protection
Offering coverages for both vintners and growers.
Make Every Vintage Count
Founded in the heart of Oregon’s wine country, we have been providing winery coverage since the beginning. Our proximity to our members and expertise in wine coverage can’t be matched with any other insurance carrier providing this product line. So if you’re looking for an insurance company that understands wineries and vineyards in the Pacific Northwest, choose Oregon Mutual.
As a participating member of various local American Viticulture Areas (AVAs) in the region, we gather with member vintners and winemakers several times a year to discuss contemporary topics and share support for a great industry. We work with your local, independent agent to craft a balanced and robust policy that fits your needs. Cleanse your pallet by requesting an Oregon Mutual quote, or contact your local agent about becoming a member today.
Vintner Coverages
Our Vintner Insurance Protection coverage expands three levels: Bronze Silver and Gold. Ask your agent for more details on limits.
*Coverage availability based on underwriting guidelines. Some coverages may not be available in all states. All coverages are subject to policy terms and conditions.
Blending Errors and Omissions
Covers damage to the wine caused by errors in blending with other wine, dilution, etc.
Brands and Labels
Covers reasonable costs to stamp 'salvage' on merchandise or its containers or remove the brands or labels if damaged.
Business Income from Computer Operations
Covers business income loss sustained due to the necessary suspension of operations caused by a computer system interruption.
Business Income from Mobile Operations
Covers business income loss sustained due to the necessary suspension of operations caused damage to mobile equipment off-premises.
Business Personal Property
Extends the distance within which covered property must be from the described premises in order for coverage to apply from 100 feet to 1,000 feet.
Contingent Transit
Covers damage of shipped goods due to fire, lightning, hail, civil commotion, vehicle collision, theft, and other qualifying factors.
Contract Penalty Clause
Covers contract penalties required to pay to customers as a result of a contract breach.
Display Booths and Equipment
Covers direct physical loss or damage to owned display booths and equipment used or transported to/from events off-premises.
Grape Vines and Trellises
Covers direct physical loss or damage to grapevines, trellises, and fruit growing thereon from qualifying factors.
Harvested Grapes
Covers direct physical loss or damage to owned harvest grapes due to fire, vandalism, theft, and other qualifying factors.
Labeling Errors
Covers the additional cost incurred to re-label or repackage your stock due to unintentional error in labeling, bottling, or repackaging.
Property in Transit
Covers personal property in transit more than 1,000 feet from the premises. Loss or damage must result from a covered cause of loss. Excludes harvested vineyard products packaging materials and containers.
Property at Unnamed Locations
Covers direct physical loss or damage to your business personal property at locations you do not own, lease operate or occupy.
Property in Custody of Sales People
Covers direct physical loss or damage to your business personal property, in the care or control of your sales representatives.
Property Off-Premises
Covers qualifying property while it is away from your premises when temporarily at a location not owned or operated by you.
Unexpected Wine Oxidation
Covers direct physical loss or damage to winery products resulting from unexpected wine oxidation caused by the failure of corks, or screw tops and results in volatile acidity that exceeds the federal standard.
Water Backup from Sewers, Drains, or Sumps
Covers direct physical loss or damage to covered property on-premises caused by water back up from a sewer, drain, or sump. Excludes backup from an ocean, rivers, etc.
Wine Caves
Includes wine caves as covered property. Wine caves are defined as subterranean structures for the storage and aging of wine.
Wine Contamination
Covers loss or damage to winery products resulting from contamination caused by contact with residual cleaning solvents or cooling compounds within the vessels and their component parts resulting in changes to flavor, color, texture, finish, etc.
Wine Leakage
Covers direct physical loss to wine stock due to accidental wine leakage, rupture, or collapse of vessels at the described premises.
Winery Stock Valuation
Value of winery products determined as finished wine stock, rare, cellared, or vintaged wines, and stock-in-process.
Growers Coverages
In addition to vintner coverages, we also offer coverage limits for orchard and vineyard growers tailored to fit your needs.
*Coverage availability based on underwriting guidelines. Some coverages may not be available in all states. All coverages are subject to policy terms and conditions.
Contamination of Orchard or Vineyard Products
Covers direct physical loss or damage due to the sudden and accidental release of fluids from machinery to harvested orchards or vineyard products and packaging, owned by you, at the insured location.
Contingent Orchard and Vineyard Transit
We will pay up to the stated limit per occurrence if you cannot collect on the bill of sale of orchard and vineyard products, shipped at the buyer’s risk of loss, due to product damage by a Covered Cause of Loss.
Extended Extra Expense
Provides coverage for mobile agricultural machinery and equipment. This includes up to the stated limit for the cost to rent temporary agricultural machinery and equipment as a result of direct physical loss or damage to Covered Property.
Harvested Orchard and Vineyard Products
Covers the loss or damage to a harvested orchard and vineyard products and packaging, owned by you, resulting from a Covered Cause of Loss or from a vehicle, trailer, or farm machinery and equipment.
Orchard and Vineyard Tree and Vine
Covers direct physical loss or damage to your trees, vines, or trellises used in the production of orchard or vineyard products resulting from fire, lightning, civil unrest, aircraft, vandalism or theft, and other events.
Sign Coverage
Covers direct physical loss or damage to any unspecified signs owned by you at the insured location, including outside wiring or attachments, resulting from a Covered Cause of Loss.