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 contractors, metalworkers, and more.
There’s another kind of business that needs the special protection only an insurance policy can offer: wine. Coverage for farmers includes their equipment and crops — but wine calls for something other than tractors and combines.
There’s a need for specialized wine insurance in our six-state coverage area. According to the U.S. Department of the Treasury, there are more than 350 wineries in Ohio, and more than 450 in Michigan, placing them in the top 10 wine-producing states.
Though you may not make wine yourself, you might have a favorite winery that you visit every summer, or know someone who is a vintner. Let them know about our policies and our related Vintner Plus coverage, custom-designed for the winemaking industry. Here’s a look at the highlights of Vintner Plus:
Type “cellar funk” into Google, and you’ll find a jazz album with a great name. Our coverage isn’t for music, though; it’s for wine, while it’s being made. The same nasty material that can affect your basement — fungus, rot — can contaminate a stock of wine during the manufacturing process. Our coverage applies to damage from biological or chemical contamination of wine during winemaking.
Cellar funk and its unpleasant cousins aren’t the only threats to a vintner’s stock of wine. Anyone who brews beer or even bakes cookies knows that almost everything plays a role in getting the food just right: the air temperature, the quality of mixing tools and storage containers, and so much more. Our coverage applies to damage caused by a change in temperature or humidity because of equipment breakdown or power outage, or contamination by a refrigerant.
If you’re a wine connoisseur (or a botanist), you may already know this: there are many different kinds of oak trees, and their wood gives different flavors and characteristics to a barrel of wine. Wisconsin American oak apparently tastes a little like banana or coconut. And, perhaps not surprisingly, there’s a half-dozen forests in northern France that contribute wood to wine barrels, each with a different effect on the wine.
Of course, wine is also made in metal tanks and other kinds of containers. If any of your containers collapse, our coverage can help recover your costs, so you can get back to winemaking as soon as possible. Leakage from pipes or hoses is covered, too.
Unless you’re an oenologist (someone who supervises the wine production process) or sommelier (wine expert — use one of those words in your next Scrabble game!), your wine knowledge may be limited to a favorite type of wine and your preferred time to enjoy a drink. But if you’re looking for more, talk to your local independent insurance agent about Vintner Plus coverage, and Businessowners coverage for any kind of industry.
The Mutual Understanding blog and Hastings Mutual videos are made available for educational purposes only. The information referred to is not an official company statement, corporate policy, or offer of coverage. Refer to your insurance policy for specific coverage. There is no representation as to the accuracy or completeness of any information found by following any link on this site. Please contact your local independent insurance agent with further questions and for more details on any insurance policy-related information you read here.
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