Wineries & Agriculture

Intro:

From the time of harvest, through crushing, fermentation and bottling we know the exposures related to your industry, and custom design our insurance programs accordingly. We take into consideration the risks presented by the elements of direct and indirect loss and ensure policy wordings are crafted appropriately. Our brokerage personnel have extensive experience in working through complex losses, such as contamination, equipment failure, production accident, or sabotage.

On complex losses, we involve forensic accountants to ensure the amount of and extent of loss is accurately recognized, keeping in mind the avenues of distribution for your product. Our years of experience will bring you peace of mind.

 

PROGRAM HIGHLIGHTS:

  • Contamination
  • Infestation
  • Selling Price Clause
  • Consequential Loss
  • Product Liability
  • Loss of Business Income
  • Valuation of Stock while in Process
  • Environmental Liability
  • Advertising Liability
  • Broad Form Vendors Liability
  • Comprehensive
  • Cover including Production Machines
  • Mechanical Breakdown Coverage
  • Off Premises Power Failure
  • Refrigeration Breakdown on Covered Vehicles
  • Product Withdrawal Expense

 

Greenhouses:

We offer a customized insurance program underwritten by the country’s foremost insurer of greenhouses. It incorporates all aspects of coverage to provide full insurance protection. Our team is uniquely qualified to design appropriate policy coverage and provide a high level of expertise at the time of a loss.

 

PROGRAM HIGHLIGHTS:

  • Glass and Poly Greenhouses including all permanently attached fixtures and equipment
  • Service Buildings and Dwellings
  • Mechanical Breakdown
  • Crop Protection for plants, vegetables, flowers, etc…
  • Loss of Income
  • Business Interruption
  • Commercial General Liability
  • Transit
  • Vehicles: Individual Units and Fleets
  • Stock Equipment

 

Farms:

We have insured generations of farm operators who have faced almost every kind of risk including the potential loss of dwellings, barns, greenhouses, vehicles and machinery.

Comprehensive policies are available to cover any type of farm operation regardless of size including co-operatives, livestock, breeding and poultry farms, cash crops, tender fruit, vegetables, dairy, vineyards and machinery.

Our large volume of farm business means that we get support from our specialized markets to meet farming community needs.

 

PROGRAM HIGHLIGHTS:

  • Dwellings
  • Farm Buildings
  • Equipment
  • Implements
  • Vehicles: Individual Units and Fleets
  • Livestock
  • Produce
  • Business Income
  • Liability
  • Boiler & Machinery
  • Mechanical Breakdown
  • Loss of Income
  • Farm Liability