Vineyard production processes for the purpose of insurance will consist of several stages which will have their own risks attached to the vineyard operations. Here are some key production processes that would likely be considered for insurance coverage:

• Vineyard Establishment: This includes the initial planting of vineyards, which involves costs such as purchasing and planting vine stock, installing trellis systems, and preparing the soil.

• Harvesting and Processing: During the harvest season, insurance coverage will need to include seasonal workers and might also be required for potential losses due to events, equipment breakdowns, or contamination during transportation. Depending on the type of vineyard operation, additional coverage may be needed for wine processing and storage activities.

• Wine Production and Storage: Insurance coverage for wine production and storage may include protection against risks such as fire, theft, equipment breakdowns, leakage or spoilage during fermentation or aging, contamination, and seal damage.

• Wine Bottling and Distribution: The final stages of wine production, packaging, labelling, and distribution. Insurance coverage may be necessary to protect against risks like product liability, damage during transportation, or any legal disputes arising from labelling or quality issues.

Ascend will provider specialist insurance advice in the process and operations so that the insurance will be customised on the specific needs and risks associated. It’s important for vineyard owners to carefully assess their operations and consult with specialist insurance professional to determine the appropriate coverage for their unique processes.

For more information, or to discuss your requirements, please contact one of our specialists on 01245 449 060.