What is the Winery and Vineyard Program all about?
We can provide insurance tailored to fit your individual Winery or Vineyard with features specific to your business. We are members of all four state organizations, so we stay in communication with experts in the industry. TRICOR is constantly searching the market for products specific to winery and vineyard protection.
Our thorough application process means we are there to help during information gathering in a step-by-step manner. It is our objective to obtain "Preferred Pricing" for our clients and prospects and that requires a full understanding of your entire operation.
The TRICOR Winery and Vineyard Program offers traditional commercial general liability and property coverage and then enhances the coverage by adding: "wine at market value"; automatic vineyard coverage up to $25,000; business income at "actual loss sustained"; equipment breakdown coverage; spoilage; and more. We are offering Worker Compensation and Liquor Liability inside the Program. We are able to include your unique "guest events" inside our policy and for those who qualify, we can offer a Commercial Umbrella over your general liability, Workers Compensation, commercial auto, and liquor liability!
In summary, these features are available in the TRICOR Winery and Vineyard Insurance Program:
- Broad form general liability
- Newly acquired buildings (up to $500,000)
- Newly acquired personal property (up to $100,000)
- Ordinance or law
- Personal property off premises (up to $25,000)
- Water damage / backup of sewers/drains (up to $25,000)
- Outdoor property (up to $20,000)
- Loss of business income
- No coinsurance penalty
- Equipment breakdown
- Products recall expense (up to $10,000)
- Special events – general liability
- Sponsored athletic events – general liability
- Wine valuation – market price
- Outdoor plants and crops (vineyards) (up to $25,000)
- Harvested grapes (up to $25,000)
- Wine leakage (up to $25,000)
- Crime (up to $5,000)
- Food contamination (up to $15,000)
- Trade show / special events property (up to $50,000)