Fungus, wet rot, dry rot, or bacteria can affect wine while it’s being made, and so can “cellar funk,” any microbiological or chemical contamination of wine stock.
Collapse of Tanks/Cooperage
Carefully crafted wooden barrels and high-tech wine tanks are a key part of the winemaking process. If the barrels or tanks collapse, this coverage will help recover the costs.
Contamination or Spoilage
We’ll cover your loss if your wine stock is damaged for any of these reasons: a change in temperature or humidity because of equipment breakdown or power outage, or contamination by a refrigerant.
This limit is increased to $30,000.
It’s unfortunate, but it doesn’t have to be a danger. This endorsement will pay for direct losses caused by a dishonest act by an employee.
Mobile Agricultural Equipment, Including Rental from Others
We’ll protect your mobile equipment, as long as it’s being used in your business.
Orchard, Vineyard, and Outdoor Property
Trees, shrubs, plants, vine, and trellises that grow or are used on your premises are included in your coverage.
Wine Leakage Other Than Collapse
If wine leaks from a tank or barrel, or equipment like valves, hoses, or pipes fails, we can help pay the cost of the wine that is lost.
Wine Market Valuation
We’ll determine the value of wine in bulk or in bottles, at the price it would be worth if the wine had never been damaged.
Coverage for your work vehicle or an entire fleet.
Additional coverage when you need to go above and beyond your regular policy.
Coverage for errors and omissions when managing an employee benefits program.
Protect yourself and your staff if there's an injury or disability on the job.
Talk to your independent insurance agent for a quote on coverage, and for more details on what Hastings Mutual can do for you.
Insurance isn’t something most people spend much time thinking about (except us here at Hastings Mutual, of course). When you do think about it, it’s to get your house and car protected from damage or injury. We’ve also talked about business coverage for...Full story