Although incredibly fun and rewarding, owning and operating a vineyard and winery can be a bit complex. One reason for this is the potential risks that you face with your business. With that being said, it is important to speak with an insurance agent at San Marcos Insurance Group to ensure you have the proper commercial business protection for your Chandler, AZ winery.
This kind of insurance is great for wineries, as well as all other businesses, as it is designed to protect you from court expenses that stem from a potential lawsuit from a customer. Many businesses tend to overlook the importance of liability protection but consider a few things.
What would you do if an individual slips and falls while in the wine tasting room? Or if a customer claims a health problem cropped up after consuming your wine? Liability insurance will protect you in these instances.
When you’re making wine, you also have grapes that you must take care of and pick. These grapes, the butter of your business, need sufficient protection in the event of a disaster. When it comes to your grapes, there are so many different things you have to consider, including insect infestations, vine infections, and natural disasters. By investing in crop insurance, you will be able to recoup some of your losses.
Just as you have grapes to make wine, you also have equipment. For instance, if you are a bigger business, you may have a grape harvesting machine so you don’t have to hand-pick the grapes yourself. In the event this equipment breaks down, will you be able to cover the cost of repair or replacement with no problem? Your insurance agent can help you identify the exact type of equipment insurance you need to ensure you are protected.
Whether you are a new winery or a seasoned business in Chandler, AZ, San Marcos Insurance Group can take care of you. Contact us today to discuss specifics.