Personal Lines Insurance for Winery Owners

Protecting your winery and preserving your lifestyle

Owning and operating a winery is more than a business — it’s a lifestyle. For winery owners who live on their business properties, unique risks intertwine their livelihood, home, and personal assets. Sharing your passion with others is rewarding, but it also comes with risks that demand specialized protection.

The Risk Strategies Wineries Practice brings decades of experience to safeguard your investment, your family, and your way of life with tailored insurance solutions for high-net-worth winery owners.

What sets us apart:

• Specialized expertise and personalized service: We understand the winemaking process from soil to bottle and tailor coverage to your unique risks — from boutique vineyards to multi-generational estates.
• Comprehensive protection and proactive support: We partner with leading insurers to deliver advanced risk management, loss control, and solutions trusted by top wineries nationwide.

The risks of operating a winery that’s also your home

Running a winery is complex — especially when your home sits at its heart. Some of the most significant risks include:

• Property damage: Wildfires, storms, or vandalism can devastate your vineyards and your estate home. Critical winemaking equipment, tasting rooms, or guest facilities may also be impacted. Many wineries sit in regions exposed to unique environmental threats — making robust coverage essential.
• Liability exposure: Tasting rooms, facility tours, weddings, and seasonal celebrations all raise the likelihood of accidental injuries or claims related to serving alcohol. Without proper coverage, your business — and personal — assets could be at stake.
• Complex asset protection: Many winery owners have blurred lines between personal and business assets. Premium vineyards, estate homes, collector vehicles, and guest facilities require layered protection to avoid costly gaps in coverage.
• Employees in dual roles: From tending vines to maintaining gardens to helping with events, winery staff often wear multiple hats. Proper policy design is crucial to ensure you’re protected against unexpected workers’ comp or liability claims.

Personalized insurance solutions vineyard and winery owners

Generic insurance policies rarely address the intricate needs of winery operations paired with estate living. Our comprehensive solutions protect every aspect of your vineyard, home, and lifestyle so you can focus on crafting exceptional wines.

• Vineyard and winery insurance: Safeguard vines, equipment, and facilities against weather events, fire, or mechanical breakdowns.
• Estate property insurance: Blend personal and business property protection, insuring your residence, outbuildings, and estate features.
• Workers’ compensation coverage: Cover staff operating across your farm, tasting rooms, or household.
• General and liquor liability insurance: Mitigate day-to-day customer and alcohol-related risks.
• Collector and luxury vehicle coverage: Protect high-value assets like estate vehicles, delivery trucks, or golf carts.
• Umbrella policies: Add critical protection for both business and personal liability, securing your legacy.
• Environmental compliance coverage: Address risks tied to pesticide use, water contamination, or local regulations.

Tailored risk management solutions for winery proprietors

Every winery is unique — so are its risks. That’s why we go beyond policies, offering proactive risk management that grows with you. Our team provides regular policy reviews, guidance on staff protocols, and support for tax and liability considerations when business and personal assets overlap.

Our winery insurance specialists have worked for years alongside high-net-worth families in the wine industry, bringing deep insight and genuine care to every solution we design. Your coverage evolves with your business and your family.

Request a personal coverage assessment for your winery and personal assets.

Case studies: Winery and personal lines insurance in action

Case Study 1: Vineyard staff injury during a tasting event

A vineyard worker helping set up for a special tasting slipped and suffered a back injury — outside their usual farm duties. Without clear coverage for event work, the estate faced unexpected liability. With the right policy extensions and documentation, this risk could have been avoided.

Case Study 2: Family member injury while gardening

A family member assisting with private estate gardening fell and was injured, filing a contested workers’ comp claim. The activity blurred personal and business lines — exposing a coverage gap. Comprehensive coverage for blended tasks helps protect assets and prevent costly disputes.

Both examples illustrate how failure to properly structure coverage could lead to gaps in coverage. For vineyards owners with estate properties, managing the intersection of farm, vineyard, and personal activities through comprehensive workers’ compensation coverage is essential. Proper planning and policy structuring safeguard against potential liabilities that arise from the complex and intertwined nature of estate staff and family member roles.