General Liability:
$1,000,000/$2,000,000 Limits
Separate Liquor Liability Limit
Broad Named Insured Definition
Special Events
Blanket Additional Insured
No Charge for Certificates
Per Location General Aggregate
Fellow Employee Coverage
Separation of Insureds
Property:
Blanket Limit for Buildings,
Business Personal Property, and
Stock (described premises)
Blanket Limit for Coverage
Extensions
No Coinsurance Penalty
Replacement Cost for Buildings
and Business Personal Property
Agreed Value and Market Price
options for Stock
Wine Contamination (no sublimit)
Wine Caves, Solar Panels, Winery
Equipment, and Barrels included
as Covered Property
Harvested unprocessed fruit, wine
in-process, and finished products
included as Stock
Blending Errors (optional)
Unnamed Locations (optional)
Earthquake Sprinkler Leakage
(optional)
Coverages Specific to Wineries:
Trellis and Grape Vines
Property in Transit
Wine Leakage
Mobile Equipment
Damage to Stock:
• On premises power failure
• Off premises power failure
• Nesting, infestation, or discharge
or release of waste products or
secretions, by insects, birds,
rodents, or other animals
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Coverage Extensions:
Business Income
Extended Business Income
Extra Expense
Civil Authority
Tenants Leasehold Interest Loss
Electronic Data
Preservation of Property
Contingent Transit
Additional Coverages:
New Locations or Newly Constructed
Property
Debris Removal
Fire Department Service Charge
Collapse
Water Damage, Other Liquids,
Powder or Molten Material Damage
Pollutant Clean-up and Removal
Dependent Business Premises
Property at Other Locations
Personal Effects and Property of
Others (other than stock)
Outdoor Property
Trees, Shrubs, Plants, and Lawns
Non-Owned Detached Trailers
Depositor's Forgery
Ordinance or Law Provision
Accounts Receivable
Valuable Papers and Records
Money and Securities
Employee Dishonesty
Fire Protection Devices
Cost of Inventory or Adjustment
Utility Services -- Direct Damage
Utility Services -- Business Income
and Extra Expense
Contract Penalties
Arson Reward
Indoor and Outdoor Signs
Fine Arts
Water Processing
Packaging Errors
Unintentional Errors
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Program Administration:
SNP WineryPlus is a specialty insurance program for wineries (bonded & virtual), vineyard estates, and custom crush facilities. Our financial stability, niche-specific coverages, and proprietary rates provide meaningful value to eligible vintners throughout the United States. This value also extends to our prompt and professional claims handling.
WineryPlus is underwritten through an A.M. Best 'A' (Excellent) rated insurance carrier and distributed through a select group of independent agents and brokers.
Coverage Portfolio:
Property (including spoilage,
contamination, and leakage)
Equipment Breakdown
Property in Transit
Mobile Equipment
Crime
General Liability
Liquor Liability
Product Withdrawal Expense
Employee Benefits Liability
Wind Drift or Overspray
Employment Practices Liability
Internet Liability and Network
Protection
Winemaker's Errors & Omissions
Automobile
Umbrella
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