.jpg?width=230&height=32&name=BBRetail001-CMYK%20(1).jpg){kind=small}
-
Industries
-
Solutions
- Captive Insurance
- Cyber Insurance
-
- Employee Benefits Solutions
- Employee Benefits Administration and Technology
- Employee Benefits Compliance Support
- Data Analytics Solutions - HR and Finance Leaders
- Population Health and Well-Being Services
- Pharmacy Benefits
- Voluntary Employee Benefits and Lifestyle Benefits
- Medicare for Employers and Employees
- Non-Medical Benefits and Absence Management Solutions
- Employer Stop Loss
- Multinational Liability Insurance
- Surety Bonds
- Trade Credit Risk Solutions
-
- Agriculture
- Architects and Engineers
- Dealer Services
- Energy and Power
-
- Commercial Marine Insurance
- Recreational Marine Business Insurance
- Aquaculture Insurance
- Marine Cargo and Transit Insurance
- Marine Crew Medical Insurance
- Marine Hull and Machinery Insurance
- Marine Claims Service
- Marine Contractors Insurance
- Marine Liability Insurance
- Marine Ports and Terminals Insurance
- Marine Protection and Indemnity Insurance
- Sailing - Burgee Program
- US Sailing Insurance Programs
- Nonprofit
- Private Equity
- Public Sector
- Technology and Data Centers
- Tribal
-
- Captive Insurance
-
- Cyber Insurance
-
- Employee Benefits Solutions
- Employee Benefits Administration and Technology
- Employee Benefits Compliance Support
- Data Analytics Solutions - HR and Finance Leaders
- Population Health and Well-Being Services
- Pharmacy Benefits
- Voluntary Employee Benefits and Lifestyle Benefits
- Medicare for Employers and Employees
- Non-Medical Benefits and Absence Management Solutions
- Employer Stop Loss
- Multinational Liability Insurance
-
-
- Surety Bonds
- Trade Credit Risk Solutions
You are leaving bbrown.com.
By accessing this link, you will be leaving Brown & Brown’s website and entering a site hosted by another party. Please be advised that you will no longer be subject to the privacy and security policies of Brown & Brown’s website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Brown & Brown.
Winery Insurance for Tasting Rooms, Restaurants and Event Spaces
Tailored Insurance Solutions for Wineries with Hospitality Services
Wineries that offer hospitality services like restaurants, tasting rooms or event spaces face unique challenges that set them apart from other businesses. Beyond crafting exceptional wines, these establishments manage risks associated with hosting guests, running events, and safeguarding their facilities.
Securing the right insurance coverage is essential for protecting your operations, mitigating risks, and ensuring long-term success.
Key Risks that Wineries with Hospitality Offerings Must Manage
Operating a winery with hospitality services means taking on more than just traditional vineyard risks. Key challenges include:
- Liability exposure: Serving wine on-site increases the potential for incidents such as slip-and-fall accidents or alcohol-related liabilities. Hosting private events or tastings may lead to disputes or claims if guests are injured or property is damaged.
Example claim: A guest leaves your tasting room intoxicated and is involved in an accident — liquor liability insurance can help cover legal costs and damages. - Property damage: Tasting rooms, restaurants, and event spaces require significant investment in décor, fixtures, equipment, and inventory. Fires, vandalism, flooding, or theft could result in expensive losses. Wine storage areas add another layer of complexity, as temperature fluctuations or equipment failure in climate control systems can damage valuable inventory.
- Employee injury: Your employees are some of your most valuable assets, and workplace injuries can be among the costliest exposures to your business. Insuring this risk is vital to help protect your winery and your team.
- Business interruption: Natural disasters, equipment malfunctions, or unforeseen events, like a fire in a restaurant kitchen, could temporarily shutter operations and impact revenue. Interruptions could extend beyond the physical damage, especially if reputational impacts deter future guests from visiting.
These risks highlight why general coverage is not enough. Wineries with hospitality components need specialized insurance tailored to their operational needs.
Schedule a custom coverage review for your winery today.
Insurance Essentials for Wineries with Hospitality Services
To address these unique challenges, wineries should consider the following key insurance options:
- General liability insurance: Protects the winery from third-party claims of bodily injury, property damage, or personal injury
- Liquor liability insurance: Addresses risks specifically related to serving alcohol, such as claims arising from over-serving guests who later cause harm
Example: A winery host overserves a guest who then causes bodily injury or property damage off-site — liquor liability covers associated legal fees and settlements - Property insurance: Safeguards your buildings, equipment, and inventory against risks like fire, theft, or natural disasters
- Workers’ compensation insurance: Coverage for claims arising from work-related injuries to employees. This is one of the most controllable aspects of your insurance program — with the right strategies, you may be able to reduce the frequency and severity of claims, improving overall costs and outcomes
- Business interruption insurance: Covers net income and ongoing operating expenses if your business is temporarily shut down due to a covered event
- Event insurance: Provides coverage against risks associated with hosting weddings, private tastings, or large-scale events on your property
Example: If severe weather forces a wedding to be canceled, event insurance can cover lost income or rescheduling costs
Designing Your Hospitality Coverage
Running a winery with hospitality offerings is rewarding, yet complex. The right insurance coverage enables you to focus on delivering incredible experiences to your guests without worrying about unexpected disruptions or liabilities.
Working with a specialty broker who understands the unique risks of the wine industry and your hospitality operations helps ensure peace of mind.
Crafting Your Personalized Insurance Program:
- Assess your specific needs: A comprehensive audit of your operations can identify potential exposures, from vineyard activities to guest-facing services
- Bundle policies where possible: Bundling essential coverages like property, liability, and business interruption insurance into a single policy to simplify management and reduce costs
- Review policy limits and exclusions: A broker helps ensure policy limits are sufficient to cover the replacement cost of all physical assets and reviews exclusions carefully
- Reassess coverage regularly: Growing operations or new services, such as live entertainment or expanding event hosting, may require additional coverage
Frequently Asked Questions About Winery Hospitality Insurance
Liquor liability insurance helps protect wineries that serve alcohol by covering claims related to guests who may become intoxicated and cause bodily injury or property damage. It covers legal fees, settlements, and damages if your winery is found legally responsible for overserving or failing to prevent alcohol-related incidents.
Typical coverage limits range from $1M to $5M per occurrence, depending on your location, the size of your hospitality operations, and the number of guests you serve. A broker helps determine appropriate limits.
Common examples include a guest driving under the influence and causing an accident after leaving your property, or a fight breaking out during an event due to over-consumption, leading to bodily injury or property damage.
Event insurance helps protect your winery from financial losses due to unexpected cancellations, severe weather, or property damage during weddings or large gatherings. It can cover claims if a guest is injured during an event.
Additional Resources
Market Trends
Our 2026 report unites Brown & Brown and Risk Strategies resources, knowledge and proven experience to deliver stronger insurance solutions for commercial insurance, employee benefits and personal insurance.
Uncorking the Basics of Wine Insurance
Alternate investments can sometimes seem dubious or perhaps a bit abstract. However, collecting wine is a hobby that dates back hundreds of years and in recent decades, has emerged as an alternative to traditional investing. Depending on the ...
Wildfire and Smoke Taint Risks for Wineries: Technology and Strategies for Vineyard and Vintage Protection
Picture your grapes, nearly ready for harvest, suddenly blanketed in smoke drifting in from miles away. The threat goes far beyond flames, smoke taint can ruin an entire vintage year and disrupt contracts with distributors, hospitality groups, and ...Explore Other Wineries Insurance Solutions
Connect with Brown & Brown
Schedule a consultation with our Brown & Brown hospitality insurance specialists to review your winery’s guest services, events, and operations. Our knowledgeable team can help you design tailored coverage for your tasting rooms, restaurants, and event venues. Learn how Brown & Brown can help protect your hospitality operations and elevate your winery’s long-term success.