Florida Winery Insurance (Quotes, Cost & Coverage)

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Frequently Asked Questions About
Commercial General Liability Insurance

How much does commercial insurance cost?

Costs can vary widely based on industry and are also determined by zip code and often payroll and/or gross sales. Request a free quote to get an exact number.

What kind of business insurance do I need?

Most business owners need General Liability Insurance at the very least. If you have any non-owner employees, you will need workers compensation insurance too.

What is a Certificate of Insurance?

A Certificate of Insurance is proof of coverage. It lists the type and amount of liability coverage you have and other policy information when a third party requests it.

Is business insurance tax deductible?

Yes. you can deduct the cost of commercial insurance premiums. The IRS considers insurance a cost of doing business as long it benefits the business & serves a business purpose.

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Florida Winery Insurance

FL Winery Insurance

Florida Winery Insurance. Wineries grow or purchase grapes and process them into wine. Some wineries still use manual labor to harvest grapes while others use mechanical harvesters. The grapes are fed through a destemmer and crushed. Skins may be removed or left on during fermentation, depending on the type of wine being produced. Sugar, yeast, carbon dioxide, or flavorings may be added. Fermentation can be done in oak barrels or stainless-steel tanks.

Testing is done periodically to check status of the wine. Once fermentation is completed, the wine is strained, bottled, and labeled for sale to restaurants, retailers, or wholesalers. Some wines require storage time from a few months to several years to develop optimum quality. Wineries may have a retail store selling to the public or facilities for on-premises consumption, such as a wine-tasting area or a full-service restaurant.

Running a winery is not always easy. There are many complex things and situations you must be prepared for to effectively run your vineyard. Owning a winery means you're responsible for the harvesting of crops to make wine. There are many risks when you are in the winery business. For this reason, you need protection for your business. The way for you to effectively protect your operation is to get the right Florida winery insurance policies for your business.

Florida winery insurance protects your vineyard from lawsuits with rates as low as $77/mo. Get a fast quote and your certificate of insurance now.

Why You Need Coverage For Your Winery Business

To keep your business protected from risks you need to have Florida winery insurance. To adequately protect your business you should have property, liability, commercial auto, liquor and other winery insurance policies. This is to protect your business in the case of a lawsuit. Below are some explanations of the different types of coverage you can buy:

Property Coverage - Having this type of Florida winery insurance in your business protects the building and their contents. In the event that they buildings you use to run your business are damaged this insurance keeps you covered. It also protects the inventory of your business. If there is ever an interruption in your business then having this type of insurance provides coverage for the expenses associated with the loss of property.

Tank Collapse Coverage - A container, tank, barrel or vessel can collapse and cause your business to lose profits. This is why having this type of insurance for you business is crucial.

Contract Cancellation Coverage - If you cannot fulfill a contract you have with a customer, then contract cancellation keeps you covered. Let's say you can't fill an order because your supply is short and you are sued when you have this insurance attorney fees, marketing expenses and different costs are covered.

Tank Leakage Coverage - If a tank begins leaking after you've made the wine or during the process of then this coverage protects your business. To avoid the cost that comes with this, you should get tank leakage coverage for you winery.

Crop Insurance - The most important part of your business is the grapes you use to make the wine. Without grapes, it's impossible for you to run your wine business. Protection of the grapes is important to keeping your business functional. If for some reason the crop you're growing is damaged then you'll be protected with this coverage in your business. You must note though that crop insurance does not protect your grapes after they've already been harvested. If your grapes are destroyed by an earthquake or you, live in a place where they could be then getting earthquake insurance may be a good move for your business.

Wine Storage Or Transit Coverage - When you have gone through the process of harvesting your grapes, you must ensure to keep them protected. Wherever you store your grapes, you'll need protection for them. This is where wine in storage or transit coverage comes in. Speaking with an experienced insurance agent will help you to find the policies to protect your grapes whether they are on site or off.

General Liability - This broad Florida winery insurance protection is good for your business if there's ever bodily harm or damage caused to a third party or their property.

Equipment Breakdown Insurance - While using machinery in your business, there's always the chance the machinery could breakdown. For this reason, you should have protection when it does. This insurance pays for the repairs or interruption cost caused by the breakdown of equipment.

Contamination and Spoilage Coverage - When you operate a vineyard, you'll need protection from losses that occur because of contamination. Having this insurance keeps your covered if there's a batch that's lost due to contamination.

Liquor Liability Coverage - Once you are in the business of selling alcoholic drinks, you must protect your business with Florida winery insurance. This is to protect if there is bodily harm as a result of selling alcohol. You can never predict what using alcohol might do a person, and if someone gets hurt or killed in a drunk driving accident - you might be sued.

Workers Compensation - If an employee gets injured on the job, you can protect your business from lawsuits when you have FL workers' compensation. In most states is is required by law for any non-owner employees. Any medical costs associated with an employee that's injured on the job is covered with workers comp.

To protect your business from the expenses of lawsuits you need to have the right commercial insurance in place. To get the right protection, you need to speak with an experienced insurance agent.

Florida Wineries' Risks & Exposures

Premises liability exposures are light if visitor access is limited. If there are retail sales, tours, restaurants, wine-tastings or bed and breakfast inns, the exposure increases. The serving of alcoholic beverages to customers can impair motor abilities and increase the likelihood of trips, slips or falls. Spilled drinks should be cleaned up promptly. Floor coverings must be in good condition with no frayed or worn spots on carpet and no cracks or holes in flooring.

Exits should be clearly marked and free of obstacles. Adequate interior and exterior lighting should be available in the event of a power outage. Parking lots and sidewalks need to be in good repair, with snow and ice removed, and generally level and free of exposure to slip and falls.

Products liability exposures are moderate due to the possibility of contamination, spoilage, foreign objects in containers, improper labeling of contents, or explosion of a carbonized container. Effective procedures are required to ensure sanitary working and processing conditions. The workplace must meet all Food and Drug Administration (FDA) specifications and be arranged so that foreign substances do not enter processing areas.

An on-site testing laboratory is recommended to verify quality control. Controls must be in place to prevent contamination from exposure to chemicals used to contain insect or rodent infestations, such as insecticides and pesticides. Warning labels must be in place indicating the potential damage of alcohol to unborn children. An effective recall program that can be activated immediately must be established.

Liquor liability exposures are from the manufacturing of alcoholic beverages. The exposure increases if there are retail sales, tours, and other events where wine is sold directly to the consumer. Failure to comply with state and federal regulations may result in the loss of a liquor permit which will close the business.

All employees who serve wine to customers must be trained in recognizing signs of intoxication. A procedure should be in place to deny service to underage or intoxicated patrons. Online sales present an even greater exposure because of the possibility of products being purchased by underage persons.

Environmental impairment liability exposures can be high due to the potential for air, land, or water pollution from the use of agricultural chemicals and pollutants such as fertilizers, herbicides, pesticides, refrigerants, motor vehicle fuels, and solvents. Storage, use and disposal of all chemicals must be documented and meet all FDA and EPA standards.

Workers compensation exposures can be moderate to high depending on the degree of mechanization. The more mechanized the manufacturing process, the less likely that employees will slip, fall, or sustain hernias or other lifting injuries. However, they are more likely to be injured by the machinery, particularly during destemming and crushing operations. If operations rely on manual labor, training, supervision, and communication are important in maintaining a safe work environment.

Foreign objects in the eye or hearing impairment from noise may occur. In aging and storage areas, vats should be secured to prevent falling and crushing employees. Forklifts should be equipped with backup alarms and be refueled in well-ventilated areas. Exposure to farm chemicals and organic dust can lead to respiratory issues.

Crop exposures are high because growing grapes are in the open and are susceptible to damage by animals, bacteria, drought, flooding, frost, fungi, hail, insects, lightning, snow, viruses, weeds, wind, and winterkill. While some of these can be mitigated by proper farming practices or chemical applications, others are random acts that may or may not be covered by insurance. Vines are often grafted from much older vines and take years to reestablish if they are killed.

Property exposures are from electrical wiring, heating and refrigeration equipment, and processing machinery. All machinery must be inspected and maintained regularly to avoid wear and tear or overheating losses. Wiring must be up to date and of sufficient capacity. All machinery should be grounded to prevent static buildup and discharge.

Grapes, wine in process, and stored wine are very sensitive to changes in temperatures. Temperature-monitoring devices should be mandatory and installed in most processing and storage areas. Even a small fire can result in mandatory destruction of all wine in process as well as stored wines due to the possibility of smoke contamination. Processing areas should be separated from storage areas.

Product ready for shipping should also be kept in a separate area, especially if a required tax stamp has already been affixed. Business income exposure may be high due to the use of specialized machinery and equipment that may be difficult to repair or replace quickly.

Equipment breakdown exposure is high due to the automated machinery and equipment which can malfunction or break down. All machinery and equipment must be regularly inspected and maintained as a lengthy breakdown to machinery could result in severe loss, both direct and under time element.

Crime exposures are from employee dishonesty and money and securities. Pre-employment background checks should be done on all employees having access to the inventory. There must be a separation of duties between persons handling deposits and disbursements and handling bank statements. Some wineries offer tours and operate retail stores, resulting in excessive amounts of cash and credit card transactions.

Receipts should be issued for any cash payments received. Wine can be expensive and targeted by both employees and thieves. Loading docks should be supervised to minimize employee theft of finished goods.

Inland marine exposures include accounts receivable if the winery bills customers, computers (which may include computer-run production equipment), goods in transit, mobile equipment, and valuable papers and records. If goods in transit are damaged by collision or overturn, there may be no salvage due to the potential for food contamination. Equipment includes farming equipment such as harvesters. Records include inventory, quality control, proprietary formulas, purchases, and sales information.

Commercial auto exposures can be extensive. During planting and harvest times equipment must be moved from field to field. The equipment is awkward and slow moving and often must travel over winding rural roads and highways. The use of All Terrain Vehicles (ATVs) and similar mobile equipment/auto type vehicles is common. Drivers must have appropriate licenses and acceptable MVRs. All vehicles must be well maintained with records kept in a central location.

Florida Economic Data And Commercial Insurance Requirements

If you are thinking about starting up a business in the state of Florida, it's important to understand the economic standing of the state before you set up shop. Furthermore, you should understand the rules and regulations regarding FL commercial insurance.

Made In Florida

With this information, you will be able to determine if Florida is the right place for your business, and if so, what type of insurance you will need to carry to protect yourself, your employees, and the people that you serve.

Economic Trends For Businesses In FL

Florida is known as the sunshine state, and the economic outlook for this state is just as bright as the weather. It is estimated that the economy in Florida will reach $1 trillion by the end of the 2018 calendar year. However, while financially, the economy is expected to boom, it is forecasted that job growth will decline.

The reason for the economic boom? While businesses do certainly contribute to the economy, industry isn't the reason why Florida's economy is expected to soar; the residents that move to the state are largely responsible for its economic growth. Approximately 898 people move to Florida every day, and those new residents bring a tremendous amount of income for the state.

In terms of job growth, the rate of new jobs has been its highest since 2007; however, it is forecasted to slow during 2018. Approximately 180,000 new jobs will be added in 2018, which is slightly less than the new jobs that were added in 2017.

The industries that contribute the most to Florida's economy include:

  • Agriculture
  • Aviation & Aerospace
  • Financial Services
  • Healthcare
  • International Trade
  • Life Sciences
  • Tourism
Commercial Insurance: Regulations & Limits In Florida

The Florida Office of Insurance Regulation regulates insurance in FL. The only type of coverage that business owners must carry is workers' compensation. Organizations in any industry must carry this type of coverage if they employ a staff of hourly or salaried workers. But, organizations that employ three or less people are not legally required to carry this type of coverage.

Business owners are also required to carry commercial auto insurance if they use any vehicles for their operations, such as making deliveries or transporting goods. Commercial liability insurance is another type of coverage that Florida business owners should consider carrying, though they are not legally required to have this type of insurance.

Additional Resources For Food Service Insurance

Learn about restaurants, bars, liquor stores commercial insurance coverages. See how small business food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.


Food And Drink Insurance

There are major differences in the food service business and the very different exposures they present. There are many specific types of restaurants to cater to individual needs and tastes. There a several main commercial insurance classifications for food service.

Concessionaires: The most basic "eat on the run" type of restaurant is not classified as a restaurant at all but is referred to as a concessionaire. Class Code 11168: Concessionaires applies and the accompanying note states that all food and beverages must be sold through hawking or peddling. There can be no location to which customers walk up and purchase the food. This classification includes food sold at sporting events, exhibitions, and parks.

Caterers: Are very similar to restaurants with significant differences. The caterer prepares the meals at its own kitchen or commissary and then transports it to the locations where it will be served. Some final preparation may take place at the final location but the majority generally takes place at the caterer's location. The caterer's employees serve the meals and beverages and oversee the consumption of the food.

Restaurants: The way restaurants are categorized and classified uses the percentage of alcoholic beverage sales as the first criteria, followed by other features or operations.

Common to all of these categories is that entertainment-oriented venues such as nightclubs, cabarets, dance halls, discotheques, and comedy clubs must be separately classified and rated. This means that the sales that those entertainment activities generate must be broken out and rated separately from the sale or food and drink.


Request a free Florida Winery insurance quote in Altamonte Springs, Apopka, Aventura, Boca Raton, Bonita Springs, Boynton Beach, Bradenton, Cape Coral, Casselberry, Clearwater, Clermont, Coconut Creek, Cooper City, Coral Gables, Coral Springs, Crestview, Cutler Bay, Dania Beach, Davie, Daytona Beach, DeLand, Deerfield Beach, Delray Beach, Deltona, Doral, Dunedin, Edgewater, Fort Lauderdale, Fort Myers, Fort Pierce, Gainesville, Greenacres, Haines City, Hallandale Beach, Hialeah Gardens, Hialeah, Hollywood, Homestead, Jacksonville Beach, Jacksonville, Jupiter, Key West, Kissimmee, Lake Worth, Lakeland, Largo, Lauderdale Lakes, Lauderhill, Leesburg, Margate, Melbourne, Miami Beach, Miami Gardens, Miami Lakes, Miami, Miramar, New Smyrna Beach, North Lauderdale, North Miami Beach, North Miami, North Port, Oakland Park, Ocala, Ocoee, Orlando, Ormond Beach, Oviedo, Palm Bay, Palm Beach Gardens, Palm Coast, Palmetto Bay, Panama City, Parkland, Pembroke Pines, Pensacola, Pinellas Park, Plant City, Plantation, Pompano Beach, Port Orange, Port St. Lucie, Riviera Beach, Rockledge, Royal Palm Beach, Sanford, Sarasota, Sebastian, St. Cloud, St. Petersburg, Sunny Isles Beach, Sunrise, Tallahassee, Tamarac, Tampa, Tarpon Springs, Temple Terrace, Titusville, Venice, Wellington, West Palm Beach, Weston, Winter Garden, Winter Haven, Winter Park, Winter Springs and all other cities in FL - The Sunshine State.


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