From harvest to cellar, we are your partner in protection
Our team of experts combine industry expertise and local knowledge with a passion for wine, offering custom coverage and proactive solutions for mitigating risks that are specific to your wine business.
We understand that the wine industry faces unique challenges, from unpredictable weather to global market fluctuations. Our specialised insurance solutions are designed to safeguard your vineyard, winery, and everything in between. Whether you're a boutique vineyard or a large-scale winery, we provide coverage that protects your passion and investment.
Let us take care of creating a customised and comprehensive solution designed to give you peace of mind to focus on what you do best – making great wine.
What insurance is right for you?
Like grapes, insurance comes in many varieties and can be complex. In determining the most appropriate cover to protect your wine business from exposures, it is important to consider the amount of time and work that goes into every bottle.
We use industry-specific data and case studies to understand and evaluate common threats in the wine industry. This information is used to provide valuable insights into the likelihood and impact of various risks, helping to prioritise coverage needs.
Assess the full scope of your business
An in-depth evaluation of your operations is crucial to identify the key aspects of your business that may be susceptible to an insurance exposure —vineyard management, wine production, distribution and sales. Each stage presents unique risks that need to be covered. Identifying and understanding the specific threats your vineyard or winery is most vulnerable to, from climate related events to operational risks such as equipment failure or product contamination is the first step in making informed insurance decisions.
Determine your coverage needs
Vineyard coverage
Our Australian climate can be unpredictable. Ensure your vineyard is protected against risks like crop failure due to weather events, pests, or disease. Coverage should also include equipment and infrastructure like irrigation systems, fences and trellises.
Winery coverage
Your winery needs protection against property damage, machinery breakdowns, and business interruption. Consider coverage for your facilities, production equipment, and inventory.
Product coverage
If your wine is sold to consumers, product liability insurance is crucial. This coverage protects you from claims related to the quality and safety of your wine.
Consider your budget
While it can be tempting to opt for the cheapest policy, look beyond the price tag. Although affordability is important, it is crucial to weigh up the cost vs the level of coverage offered. A lower premium might save money upfront but could leave you underinsured in the long run. Underinsurance can leave your business exposed to significant financial losses. In the wine industry, a comprehensive insurance plan that covers multiple risks may be more cost-effective in the long run than multiple smaller policies. Informed decision making isn’t just about saving money though —it is about investing in peace of mind. Choosing the right insurance ensures that you can focus on growing your business, knowing that you’re protected against unforeseen events.
Leverage professional advice
Don’t hesitate to consult with experts. We are here to help you navigate complex coverage options, policy terms and ensure that your business is fully protected.
Review and update your policy regularly
As your business grows and changes, your insurance needs may evolve. The wine industry is dynamic, with new risks ever emerging. To ensure that you stay informed about industry trends and adjust your insurance coverage accordingly to ensure it remains relevant, we will conduct an annual review of your coverage to ensure it still meets your needs. If you expand your operations, invest in new equipment, or enter new markets, it is vital to ensure your insurance policy reflects and incorporates these changes.
