Insurance for Wineries
Protect your winery business or tasting room with specialized winery insurance from Food Liability Insurance Program (FLIP).
Benefits of Winery Insurance
Experience the perks of FLIP’s highly-rated, hand-picked coverage.
Meet Legal Requirements
State laws, building leases, and special events often require liability coverage, especially when alcohol is involved. FLIP’s winery insurance helps you meet those conditions.
Customize Your Coverage
Choose the perfect blend of coverages to properly protect your business, property, and bottled inventory from costly claims.
Build Credibility & Trust
Insuring your winery shows guests, partners, and distributors you’re prepared for the unexpected, building confidence in your business and trust in your brand.
What Is Winery Insurance?
Winery insurance is a type of restaurant insurance designed to protect wineries, production facilities, wine distributors, and tasting rooms from the cost of common accidents. It often includes a combination of general liability, liquor liability, and commercial property insurance.
Your policy can help cover claims related to your unique operational risks, including:
- Third-party bodily injuries (injuries to other people, such as customers or event partners) and property damage caused by your business activities
- Alcohol-related accidents (injuries or damages caused by intoxicated patrons you serve)
- Foodborne illness (claims that your beverages or food made a customer sick or caused an allergic reaction)
- Damage to your business property (such as wine stock, inventory, or equipment)
- Workplace incidents (employee injuries or allegations of wrongful termination, harassment, or discrimination)
FLIP’s insurance for wineries protects the brand and business you’ve worked so hard to build, helping you focus less on costly surprises and more on crafting a tasteful experience.
Who Needs Insurance for a Winery?
If you’re in the business of producing, bottling, distributing, or serving wine to patrons, you need winery insurance. Often required for licensing, partnerships, and leases, businesses that need coverage include:
- Tasting rooms
- Wine producers and manufacturers
- Wine and beverage shops
- Paint and sip studios
- Boutique wineries
- Virtual and brand wineries
- Restaurants
Do you own a mobile wine bar or wine tasting business? FLIP’s affordable mobile food and beverage business insurance is tailored for special event vendors and businesses that need on-the-go coverage.
What Kind of Insurance Does a Winery Need?
Wineries need a blend of liability insurance and property coverage to fully protect their business during day-to-day operations. With FLIP, you can customize your policy with the following essential coverages.
Coverage | What It Covers | Example Claim |
Third-party bodily injuries and property damage caused by your business | A guest on a winery tour slips on a wet floor, fractures their, wrist, and sues for medical expenses | |
Limited property damage coverage for a space you rent | You rent an event venue to host an off-site wine tasting and accidentally spill a bottle, staining the venue’s vintage carpet | |
Claims related to libel, slander, or copyright infringement in your advertising/marketing | You use photographer’s image in a promotional email for a release event without permission, and they sue for copyright infringement | |
Third-party property damage and bodily injuries caused by an intoxicated patron you served alcohol to | After a tasting at your winery, an intoxicated guest causes an accident on the way home and your winery is named in the lawsuit | |
Third-party injuries or damages caused by your wine or other food/drink products | A customer claims a bottled wine purchased from your tasting room was contaminated and made them ill | |
Commercial property | Damages to your building (if you own it) and its contents (e.g., distilling equipment, inventory, and furniture) caused by a covered event | A fire breaks out in your production area and damages the fermentation tanks, barrel storage, and bottled wine inventory |
Employment Practices Liability Insurance (EPLI) | Claims related to employee treatment (e.g., harassment, wrongful termination, and discrimination) | An employee alleges they were wrongfully let go after reporting harassment by a supervisor |
State-mandated benefits for employees who develop work-related injuries or illnesses | A cellar worker injures their back while moving wine cases in storage and needs medical treatment plus time to recover | |
Business income interruption | Lost income and operating expenses if you have to close your business due to a covered event | A covered fire forces your winery to close during peak event season, causing lost sales, canceled tours, and reduced wine club revenue |
Damage or theft of mobile or off-site business equipment | Your portable pour stations, payment devices, and event supplies are stolen from your truck while en route to an off-site wine festival | |
Equipment breakdown | Mechanical or electrical failure of your business equipment | A refrigeration unit in your storage area fails unexpectedly, putting inventory at risk and disrupting operations |
First- and third-party costs stemming from data breaches, hacks, and other cyberattacks | A hacker accesses your online wine club and event booking system, exposing customer payment information |
How Much Does It Cost to Insure a Winery?
Winery insurance through FLIP costs an average of $6,900 per year or about $575 a month to cover your business and alcohol services. Your final premium could be more or less depending on the size of your winery, your operations, and the coverage you need.
Factors that affect the cost of insurance for wineries include:
- Your gross annual income
- The programs or services you offer
- Your location
- Your payroll
- Your claims history
- Whether you rent or own your location
What Winery & Restaurant Owners Say About FLIP
Here's what other people have to say about their experience from over 450+ available reviews.
Winery Insurance Coverage Details
General Liability Aggregate Limit
Starts at $2,000,000
Products-Completed Operations Aggregate Limit
Starts at $2,000,000
Personal and Advertising Injury Limit
Starts at $1,000,000
General Each Occurrence Limit
Starts at $1,000,000
Damage to Premises Rented to You Limit
Starts at $50,000
Liquor Liability Occurrence & Aggregate Limit
Starts at $1,000,000
FAQs About Insurance for Wineries
How Do I Get Insurance for a Winery?
Insure your wine-based business with FLIP in a few simple steps:
- Start your application
- Answer questions about your business and submit your application
- A licensed agent will contact you with a free quote and help you purchase your policy
Is Insurance for Wineries Required by Law?
Wineries are typically required by state and local laws to carry specific types of business liability insurance. These include:
- Workers compensation (if you have employees)
- Liquor liability (required for liquor licenses and tasting room permits)
- General liability (required for leases and special event permits)
Do Wineries and Tasting Rooms Need Product Liability Insurance?
Yes, wineries need product liability insurance to cover claims of injury, illness, or damages that happen after a bottle of wine is sold from your tasting room. If an improperly sealed bottle breaks and cuts a customer’s hand or they have an allergic reaction to sulfites in your wine, your product liability coverage can step in to cover medical bills or legal costs.