The Hartford doesn’t offer winery insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Insurance for Wineries?
Winery insurance is another name for small business insurance. It’s made up of different types of business insurance coverages to help protect you from the unique risks that come with wine production and event hosting. From property damage caused by extreme weather to liability claims during tastings or tours, having certain types of coverage helps safeguard your winery from major losses and disruptions.
Common types of insurance coverage that may be part of a winery insurance package can include:
- Liquor liability insurance
- Business Owner’s Policy (BOP)
- Commercial auto insurance
- Workers’ compensation insurance
Although The Hartford doesn’t offer vineyard insurance, we help connect you with Tivly, so you can get the coverage you’re looking for.
Why Might You Need Winery Insurance?
Without winery insurance coverage, a single incident could become a costly setback or even shut you down for good. Insurance for wineries helps protect you from the unique risks that come with:
- Hosting tours, tastings and events on your property
- Managing production equipment, storage facilities and inventory
- Dealing with seasonal workers, agricultural challenges and weather-related losses
Winery Insurance Coverages
When it comes to protecting your vineyard or wine business, you’ll want to ensure you have coverage that matches your potential risks. Many vineyards have a Business Owner’s Policy (BOP) for the peace of mind it can provide. It combines three types of coverage to help protect your winery from everyday risks:
General liability insurance helps protect your winery from claims that it caused bodily injury or property damage to others. For example, if a guest is hurt during a tour, this coverage can help pay for their treatment and protect your vineyard if they file a lawsuit.
Commercial property insurance helps protect the owned or rented building that you operate from, as well as the tools, equipment, inventory and supplies you rely on. These can include:
- Processing equipment, like a crusher/destemmer or wine press
- Fermentation tanks
- Aging barrels
- Pumps
- Bottling equipment
- Refrigerators
- Harvesting tools
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by fire, wind or theft. This insurance can help pay for ongoing operating costs, such as payroll or utility bills.
It’s important to know that a BOP won’t cover every kind of claim you may face as you run your vineyard. You’ll need to get other types of insurance to create well-rounded protection, such as:
Workers’ compensation insurance to help support your employees if they get a work-related injury or illness. This insurance gives them benefits to help pay for medical care or replace their lost wages if they can’t work.
Commercial auto insurance to help protect your business from claims of bodily injury or property damage resulting from an accident your business causes when using a company-owned vehicle for work.
How Much Does Insurance for Wineries Cost?
The cost of insurance for wineries varies because every business faces unique risks. Insurance companies may consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your winery
- Type of coverage
- Your claims history
- The limits you select for your coverage
Although The Hartford doesn’t offer coverage for wineries, here are the average costs our small business customers pay for common types of insurance. You can use this to help estimate your coverage costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The Hartford understands how important insurance is for small businesses. That’s why we connect you with Tivly, so you get a quote for coverage.
General Liability Insurance
“During a tour of the winery, a customer slipped on a wet floor and twisted her ankle. She couldn’t walk, so we had to call an ambulance to take her to the hospital.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Product Liability Insurance
“One of our grocery vendors had to take our wine off their shelves after they received a number of customer complaints about getting sick.”
Product liability insurance helps protect your business from claims that a product you made or sold caused bodily injury or property damage to someone else.
Workers’ Compensation Insurance
“My assistant winemaker started feeling lightheaded and felt chest pains on a regular basis. It turned out he had carbon monoxide poisoning while working on the floor.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“My driver was making a delivery of wine bottles to a local store when he accidentally side-swiped a car in the parking lot.”
Commercial auto insurance helps protect your employees on the road when using a company-owned vehicle for work.
Commercial Property Insurance
“Several cases of wine were stolen from our vineyard during an event.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Product and Inventory Insurance
“There was a fire in a neighboring building that spread to our winery’s warehouse. We lost a cask rack of wine to smoke damage, and it set us back by two years.”
Product and inventory insurance covers bottled and barreled wine, including losses from temperature changes, fire, theft or contamination.
Discover Insurance for Wineries Options
Don’t let unmanaged risks stain your success. Get a quote for winery insurance through Tivly.
Last Updated: November 10, 2025
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 Fruit & Vine Magazine, “The Dos and Don’ts of Health and Safety in the Winery”
3 U.S. Bureau of Labor Statistics, “Number of Nonfatal Occupational Injuries and Illnesses by Industry and Case Types, 2023”
4 National Fire Protection Association, “Fire Loss in the United States”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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