For wine labels, intellectual property coverage is also must-have coverage. Advertising injury stopped being covered on the commercial general liability policy after 1998.  Intellectual property will cover a winery in case it is sued by someone else for using an idea on its label or in case someone steals one of its ideas.

Storage and transportation are the next areas that have exposure for wineries. Wineries interact with many different entities and people for their storage, transportation, bottling and other needs. For example, if insureds are storing the wine offsite, they need coverage for non-owned locations. But too often they assume that another company or location will have insurance coverage for an event where a claim could arise. Agents must explain to insureds that this isn't the case.

If you don't have that location listed on the policy, there is not coverage unless there is a modest extension. You have to have all of the locations listed on the policy. It's a lot easier to put a claim in when it's my stuff than to rely on somebody being liable for it, because third party implies a responsibility on their part.

So why not work with a Winery Insurance Specialist, contact Dianna Connelly today for a complete review of your current policy.