We do not currently quote this product online, but to get a quote in under 15 minutes please give us a call.
What are you looking for?
Manage your policy and information directly with our self-serve options.
Haven't set up your account?
Quickly pay your invoice online using our secure payment system.
Manage on the go, download the BrokerLink Insurance App
Get reliable winery insurance coverage tailored for you by BrokerLink.
Winery insurance bottled just for you with BrokerLink. Running a winery isn't just about the grapes, barrels, and sunsets over the vineyard. It's about protecting your entire operation, from the vines and bottles to your staff and guests throughout their experience.
From unpredictable Canadian winters that can damage your crop, wildfires that can shut down your production lines, to liabilities that come with pouring one too many samples in your tasting room, there are numerous risks that you may be exposing your business to. That's where winery insurance comes in. It's the cork that prevents risks from spilling over into your day-to-day life.
Get a quote
BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Think of winery insurance like a blended wine. It's a specialized type of insurance coverage that specifically tailors to your tastes and needs as a wine maker, featuring several different policies that protect you against daily risks that may impact your livelihood.
For example, imagine there's a late frost that destroys a year's worth of grapes or a malfunctioning refrigerator that spoils an entire batch of Pinot Gris. In these scenarios, you could be out thousands of dollars. Now, imagine a guest slips in your tasting room and hurts themselves.
Without proper winery coverage, you could be forced to pay out-of-pocket for legal fees, medical expenses, and more if a lawsuit is filed against you. Regular business insurance won't cover you, but a tailored winery insurance policy will.
BrokerLink is pleased to offer customized insurance solutions for all grape-to-glass business models across Canada.
Urban wineries
Contract wine producers
Estate wineries with vineyards
Tasting rooms and tour-focused wineries
Wine shops and cellar doors
Event-hosting wineries (weddings, festivals)
Cold climate producers (Ontario, BC, NFLD, Nova Scotia)
View More
Behind every bottle of wine crafted is a long list of risks that can threaten your business. From frost and hail to seasonal pests, an unfortunate reality of the wine industry is that these threats don't care how many hours you put into making the perfect blend.
In Canada, you're dealing with a world of challenges like freezing winters, wildfire season, and provincial liquor laws that all impact how your business operates. At the same time, while tours, tastings, weddings, and festivals draw people in, they also increase your liability exposure. Now, let's say your cooling system malfunctions, costing you $50,000 in product loss. This kind of incident will hurt more than a bad hangover.
Winery insurance is your safety net against Mother Nature, mechanical failures, and liability claims. Without it, one bad season or incident could leave a bad taste in your mouth for the foreseeable future.
Every winery is unique, and there's a menu of policies you can choose from, whether mandatory or optional:
Commercial general liability insurance
Commercial property insurance
Equipment breakdown coverage
Crop insurance
Business interruption insurance
Liquor liability insurance
Workers' compensation
Product recall insurance
Pollution liability
Cyber liability
Event insurance
Directors & officers insurance
Commercial auto
Commercial general liability insurance protects you against bodily injuries or property damage that happens on your premises. For example, if a guest slips in your tasting room or a visitor is injured during a tour of your property, this coverage will cover the cost of medical expenses, repairs, replacements, and legal fees.
Commercial property insurance protects your physical assets, such as your production facilities, tasting rooms, storage areas, signage, furnishings and more. Should a covered loss, such as theft, vandalism, fire, or storm damage, occur, this policy will cover any repairs or replacements needed.
Equipment breakdown insurance can help your winery if your specialized equipment such as fermentation tanks, chillers, and bottling lines have a mechanical failure. If this occurs, your coverage will pay for the cost of repairs or replacements to minimize disruption to your production times.
Your vines are vulnerable to damage year-round. Crop risks include frost, hail, pests, wildfires, and so much more. Crop insurance protects the financial value of your harvest, so you don't suffer financial hardship as a result of a bad season.
Business interruption insurance helps protect your finances should your winery be forced to shut down temporarily as a result of a covered event. For example, if a fire damages your tasting room, this policy will cover lost income, employee wages, utilities, and other related expenses.
As a producer and seller of alcohol, you could be held responsible for incidents linked to over-consumption, serving minors, and other unique risks involved when you serve alcohol. Liquor liability covers lawsuits, settlements, or medical claims if a customer causes harm after drinking your products.
Wine is not a one-person job. It takes a team of employees to get from vine to bottle. Workers' compensation provides income replacement and medical coverage to employees who are injured on the job.
If a contaminated or faulty batch of wine reaches your retailer or customers, recall costs can be expensive. This policy will pay for product recalls, including recovery, disposal, and financial losses that may occur.
Wineries may face risks from wastewater, fertilizers, or chemicals. If your winery is linked to pollution, this insurance will cover the cost of cleanup and potential regulatory fines you may incur.
If you handle retail sales directly at your tasting room or online, you may want to consider cyber liability. This insurance covers the cost of data breaches, including legal fees, customer notification, and data recovery efforts.
Many wineries host weddings, festivals, and wine tours. Event insurance protects against liability risks, such as guest injuries or property damage during hired events.
If your winery business has a board of directors or investors, this insurance will protect your management against claims related to the decisions they make on behalf of the business.
Do you make wine deliveries or have mobile tasting vans? If so, you'll need commercial auto to protect you and your employees from accidents, vehicle damage, and other liabilities on the road.
Let us be your resource for all things business insurance
Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.
24775+ Reviews
Average rating of 4.6
Excellent service, rates and customer service. Highly recommended.
Very easy to do business with this company. They handle all of my past, current and will be doing my future vehicles also. They listen and get you the insurance that you want and need.
I've always had a great experience with their agents/brokers when I've had questions about my policy. Agents are always polite, professional and able to answer my questions.
Honestly, they have the best advisors. Ones who take their time to understand your insurance needs.
I find Brokerlink to be better priced than most of their competitors. I have received good, prompt advise and always deal with a live agent.
Excellent, hands-on, personable service. I feel like I haven't had a broker like this, in a long time
The best client experience!!! Honest, genuine, professional. They explain AND LISTEN! Trust no one else ❤️
What a wonderful place of friendly workers always with smiles and happy to help. She sure did wonders on savings me and my hubby on our house and garage insurances next is our vehicles in a couple o...
"I had a wonderful experience with Broker's intact at the Calgary branch of BrokerLink. They were incredibly patient and took the time to explain the differences between my old policy and the new one...
Very nice people here, a welcoming feel, some nice plants, and very helpful and pleasant brokers
BrokerLink was fantastic to work with! Excellent communication, they answered all my questions and concerns, and were always very prompt with their responses. I highly recommend their service!
Always a pleasure to communicate with. Awesome service as always. I would definitely recommend them! Thanks for being there to help when needed!
The people I have dealt with are always very helpful and quick with answers to my questions and/or changes to my policy.
I have been dealing with Doreen at Brokerlink for many years.Always great service and you can tell she really cares to get you the best policy for your needs.Thank you Doreen.
Been using Brokerlink for several years now - exceptional service. It’s nice to actually see and know the broker you are dealing with as opposed to a phone conversation with someone you can barely und...
Omg... 10 out of 10.. in customer service, helpful and friendly. I would highly recommend this company for anybody's insurance purposes.
Best customer service of the year for me.well explained and very helpful . Really appreciate it thanks
Excellent Insurance broker especially for new and newly immigrant Canadians. Give them a look if you are looking for excellent service and the right coverage for you.
Fast, efficient, knowledgeable service. Helpful staff.
Great people! Always friendly and knowledgeable and ready to help!
The women that work in this office are so wonderful. We have had some obstacles come up and they made sure they were solved quickly and as easily as they possibly could be. We are very happy with our...
Very fast and effective service. Was insured within 24 hours of initial call. Fantastic service.
First rate service all of the time ( last 10 years) no problems, service always given in a friendly, knowledgable way to ensure we receive the very best deals from the best companies
While insurance can be a pain to deal with, the staff are wonderful, friendly, knowledgeable and always willing to help you understand what is on your documents.
Lovely service, great communication and very helpful!!
Friendly, hassle free service. I'm impressed. Would highly recommend.
100 percent recommend, good quotes, good coverage and amazing brokers and customer care.
Everything went perfectly including prompt follow up.
My experience with broker link has been very positive one of the best experiences I've actually ever had with the insurance company my representative was very knowledgeable very understanding and I wo...
Your price for my insurance is the best overall and the service for handling my problem was great.. I am a very satisfied customer and I recommend Broker Link with anyone.
If you need a broker, this is the best place to deal with! Amazing staff!!
Friendly staff very quick turnaround with assistance anytime I’ve ever needed it. I feel very well taken care of by my insurance company.
Excellent service, quick, efficient, and professional. Highly recommended.
We were very pleased with the quick, friendly, and efficient service we received and will definitely be back for any other insurance needs.
I am completely satisfied with my expérience with the broker link team and i would most definitely recommend broker link to anyone.
Prompt, helpful with advice and finding the right insurance for my small business.
Great brokerage with friendly staff and walk-in service.
Knowledgeable staff with exceptional customer service skills and respect towards customer
Their service has been excellent. Prompt and thorough replies to my questions and the best rates I've experienced.
Great service, a place where you are treated as a customer and not just a number.
The timely personable assistance provided was exceptional. I received answers to questions and issues resolved in minutes. I couldn’t have asked for more friendly and professional help.
insurance companies
We shop among Canada’s leading insurance companies to offer you a range of options.
customers
Trusted by Canadians to protect what matters to you for more than 30 years.
employees
Ready-to-serve insurance specialists for your needs.
Winery insurance coverage can vary in cost, just like bottles of wine. Common factors insurance companies will consider when determining your rates include:
The larger your vineyard, the higher your exposure to common industry risks. As such, larger wineries are typically quoted more for insurance compared to micro wineries.
Insurance companies will look at the quantity of wine you produce and the value of your inventory when calculating your risk level, as finished wines, barrels, and bottled products can be damaged while in storage.
Specialized winemaking equipment is expensive to repair or replace. Older machinery or outdated systems can increase your insurance costs, while newer, well-maintained equipment may lower your rates.
Hosting weddings, wine tours, or festivals will increase your liability exposure. A winery that regularly serves groups of people will generally pay more for coverage compared to wineries that solely focus on production.
Open tasting rooms and tours throughout your facilities can also increase your risk exposure to different liabilities. Ultimately, the more visitors you have, the more likely accidents and claims are to occur, which will increase your rates compared to wineries that focus on selling wine only.
A clean claims history, along with strong safety protocols, can lower your risk exposure and your insurance premiums. In contrast, frequent claims and minimal risk management practices can increase your rates.
Where your winery is located matters; wineries in wildfire-prone areas of BC, frost-prone regions in Ontario, or flood zones may face higher premiums due to the increased chance of natural losses.
Operating a winery is a big investment, but that doesn't deter you from purchasing affordable coverage. Here are some practical ways you can reduce your costs without sacrificing your level of protection:
Bundle your various insurance policies with the same company to save up to 15% on your premiums.
Installing devices like fire suppression systems, security alarms, and climate-control technology in your storage areas will show insurers that you’re being proactive about protecting your inventory and operations, which can translate into savings on your premium.
Increasing your deductible means you'll need to pay more out of pocket when filing a claim with your provider, but it can also make your insurance premiums more affordable.
Brokers work independently from insurance companies, allowing them to shop around, compare rates, and help you customize an insurance plan that fits your unique needs.
To avoid monthly surcharges, consider paying for your wine insurance upfront.
Your coverage needs to change as your winery grows. Reviewing your policy each year will ensure you aren't overpaying for policies you no longer need.
Don't let unexpected risks spoil your product. With the help of BrokerLink, you can get an affordable insurance package for your winery tailored to your insurance needs and budget.
Find a branch
Check out our wide range of resources, offering valuable information and tools, all in one convenient place.
Check out blog
Service and claims
Visit a branch
About us
Yes. Crop insurance is designed specifically to protect your vines from unpredictable weather conditions and pests. Whether it be frost, hail, wildfires, insects, or wildlife, with the right coverage in place, you can rest assured knowing that your finances will remain intact in the event your crop is damaged.
Yes, liquor liability is included in winery insurance, protecting your business if a guest causes harm after consuming your finished product. This includes coverage for legal fees, settlements, and claims.
Absolutely. Policies are available for wine operations of all sizes, including home-based production. When purchasing coverage, make sure to inform your insurance company that you intend to make wine at home, and they will help you craft a policy that protects you against the unique risks of doing so.
Not necessarily. Many wineries include liability insurance for public access, but you will need to provide details to your provider when purchasing coverage. If you choose to host large-scale events, you may want to add additional event coverage.
Vineyard insurance protects your crops, while full winery insurance offers more protection, including property damage claims, wine spoilage, equipment breakdown, employees, hired events, liabilities, and more.
Explore our other insurance products to find additional coverage options that fit your needs. Discover more ways to protect what matters most.
Commercial Auto Insurance
Commercial Property Insurance
Commercial General Liability Insurance
Event Liability Insurance
Professional Liability Insurance
Cyber Insurance
Farm Insurance
Home Business Insurance
Equipment Breakdown Insurance
Directors & Officers Liability Insurance
Business Interruption Insurance
Course of Construction Insurance
