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Commercial Property

Wineries and distilleries depend on the building, contents, and stock held on site. Commercial property insurance responds to loss or damage to the premises, plant, and cellar or barrel store, plus loss of rent if a property event takes the site out of action.

Commercial Property

Wineries and distilleries depend on the building, contents, and stock held on site. Commercial property insurance responds to loss or damage to the premises, plant, and cellar or barrel store, plus loss of rent if a property event takes the site out of action.

Stock & Spoilage

Wine in barrel, spirit in cask, and finished stock awaiting bottling or sale represent real value tied up in product that can be lost to spoilage, contamination, or temperature failure. Stock and spoilage insurance responds to that loss, separate from the insurance protecting the building or equipment itself.

Stock & Spoilage

Wine in barrel, spirit in cask, and finished stock awaiting bottling or sale represent real value tied up in product that can be lost to spoilage, contamination, or temperature failure. Stock and spoilage insurance responds to that loss, separate from the insurance protecting the building or equipment itself.

Public & Products Liability

Cellar door visitors, tasting rooms, and tours bring genuine public liability exposure, alongside the product liability risk of anything you bottle and sell reaching a customer. Public and products liability insurance responds to claims arising from your premises and your product.

Public & Products Liability

Cellar door visitors, tasting rooms, and tours bring genuine public liability exposure, alongside the product liability risk of anything you bottle and sell reaching a customer. Public and products liability insurance responds to claims arising from your premises and your product.

Product Recall

If wine or spirits you produce turn out to be contaminated or unsafe, the cost of recalling it from distributors, retailers, or export markets — logistics, notification, disposal — can be significant. Product recall insurance responds to those costs.

Product Recall

If wine or spirits you produce turn out to be contaminated or unsafe, the cost of recalling it from distributors, retailers, or export markets — logistics, notification, disposal — can be significant. Product recall insurance responds to those costs.

Plant, Equipment & Machinery

Crushers, presses, stills, and bottling lines represent serious capital tied up in equipment that has to keep running through harvest and production season. This insurance responds to the cost of repair or replacement following mechanical or electrical breakdown.

Plant, Equipment & Machinery

Crushers, presses, stills, and bottling lines represent serious capital tied up in equipment that has to keep running through harvest and production season. This insurance responds to the cost of repair or replacement following mechanical or electrical breakdown.

Farm & Crop

Vineyards and the crops behind craft distilling carry their own primary production exposure — frost, hail, disease, and other loss affecting the grapes or grain before they ever reach the winery or distillery floor. Farm and crop insurance responds to that loss.

Farm & Crop

Vineyards and the crops behind craft distilling carry their own primary production exposure — frost, hail, disease, and other loss affecting the grapes or grain before they ever reach the winery or distillery floor. Farm and crop insurance responds to that loss.

Workers Compensation

Workers compensation insurance is a statutory requirement in every state for anyone you employ, from vineyard and production staff to cellar door and hospitality teams. Requirements and premiums vary by jurisdiction — we help you navigate the right settings for your workforce.

Workers Compensation

Workers compensation insurance is a statutory requirement in every state for anyone you employ, from vineyard and production staff to cellar door and hospitality teams. Requirements and premiums vary by jurisdiction — we help you navigate the right settings for your workforce.

Commercial Motor Fleet

Vehicles move grapes, grain, and finished stock between vineyard, production site, and market, alongside the vehicles used for cellar door and events. We arrange fleet insurance scaled to how many vehicles you run.

Commercial Motor Fleet

Vehicles move grapes, grain, and finished stock between vineyard, production site, and market, alongside the vehicles used for cellar door and events. We arrange fleet insurance scaled to how many vehicles you run.

Business Interruption

A fire, equipment failure, or other insured property event doesn’t just damage the asset — it can stop production or close the cellar door while you recover. Business interruption insurance responds to loss of income and ongoing fixed costs while you’re back on your feet.

Business Interruption

A fire, equipment failure, or other insured property event doesn’t just damage the asset — it can stop production or close the cellar door while you recover. Business interruption insurance responds to loss of income and ongoing fixed costs while you’re back on your feet.

Management Liability

Running a winery or distillery with staff, contracts, and an incorporated structure carries director, employment practices, liability, and crime exposure that a management liability policy bundles into one place — relevant as your business and headcount grow.

Management Liability

Running a winery or distillery with staff, contracts, and an incorporated structure carries director, employment practices, liability, and crime exposure that a management liability policy bundles into one place — relevant as your business and headcount grow.

Cyber Insurance

Wineries and distilleries increasingly rely on point-of-sale, ecommerce, and customer systems for cellar door and online sales. Cyber insurance responds to data breach costs, ransomware, and the business interruption that follows an incident.

Cyber Insurance

Wineries and distilleries increasingly rely on point-of-sale, ecommerce, and customer systems for cellar door and online sales. Cyber insurance responds to data breach costs, ransomware, and the business interruption that follows an incident.

Marine & Cargo

Wine and spirits bound for export carry their own transit exposure from the moment they leave the site to the moment they reach an overseas buyer. Marine and cargo insurance responds to loss or damage to goods in transit, including import and export cargo.

Marine & Cargo

Wine and spirits bound for export carry their own transit exposure from the moment they leave the site to the moment they reach an overseas buyer. Marine and cargo insurance responds to loss or damage to goods in transit, including import and export cargo.

Trade Credit

Producers selling through distributors or export markets carry exposure to buyer insolvency — a customer who can’t pay for stock already supplied. Trade credit insurance protects against that loss, which matters most when a small number of buyers account for a large share of revenue.

Trade Credit

Producers selling through distributors or export markets carry exposure to buyer insolvency — a customer who can’t pay for stock already supplied. Trade credit insurance protects against that loss, which matters most when a small number of buyers account for a large share of revenue.

Commercial Drone Insurance

Drones are increasingly used across larger vineyards and farms for crop monitoring and site inspection. Commercial drone insurance covers the hull, liability, and operator exposure that comes with running drones as part of your operation.

Commercial Drone Insurance

Drones are increasingly used across larger vineyards and farms for crop monitoring and site inspection. Commercial drone insurance covers the hull, liability, and operator exposure that comes with running drones as part of your operation.

Distilleries & Wineries Insurance

Distilleries & Wineries Insurance

Tailored Insurance Solutions for Distilleries & Wineries Businesses

Commercial Property

Commercial Property

Stock & Spoilage

Stock & Spoilage

Public & Products Liability

Public & Products Liability

Product Recall

Product Recall

Plant, Equipment & Machinery

Plant, Equipment & Machinery

Farm & Crop

Farm & Crop

Workers Compensation

Workers Compensation

Commercial Motor Fleet

Commercial Motor Fleet

Business Interruption

Business Interruption

Management Liability

Management Liability

Cyber Insurance

Cyber Insurance

Marine & Cargo

Marine & Cargo

Trade Credit

Trade Credit

Commercial Drone Insurance

Commercial Drone Insurance

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Why Distilleries & Wineries Businesses Choose Polaris

We don’t sell insurance. We solve problems.

Access to Multiple Insurers

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Top common questions asked about distilleries & wineries insurance

Top common questions asked about distilleries & wineries insurance

What insurance does a winery or distillery need?

Does Public & Products Liability cover cellar door and tasting room visitors?

What’s the difference between Stock & Spoilage and Farm & Crop insurance for a winery?

Do I need Product Recall insurance if I only sell through cellar door?

What’s different about working with a broker instead of going direct to an insurer for winery and distillery insurance?

Your Harvest, Your Stock and Your Cellar Door Change. Has Your Insurance Kept Up?

Your Harvest, Your Stock and Your Cellar Door Change. Has Your Insurance Kept Up?

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Already know what you need?

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