Liability Insurance for Your BC Winery

Protect Your British Columbia Winery with Comprehensive Liability Insurance

Western Financial Group is an award-winning insurance brokerage. Our business insurance experts will get you commercial coverage that uniquely protects your vineyard in British Columbia or Okanagan Valley wine country.

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What is insurance for wineries?

Growing, producing, and selling wine comes with specific risks. Insurance for wineries is customized insurance for property and liability risks related to your winery in British Columbia.

Running a winery is a rewarding yet complex business. From wine spoilage and public injuries to equipment breakdowns, BC wineries face unique risks that require tailored business insurance solutions.

Don't leave your winery's success to chance—secure your financial future with the right business insurance coverage.

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Switch today and start saving on your winery insurance without compromising on protection.

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Why Liability Insurance Is Critical for Your Winery

Without adequate liability insurance, your winery could face significant financial and legal challenges. A well-crafted policy protects you against:

Public Injuries: A customer trips over an electrical cord at your winery and sues you.
Defective Products: A bottle of wine with a production defect causes harm.
Business Risks: Claims of negligence, property damage, or cyber-attacks.

Get Expert Help from Western Financial Group

At Western Financial Group, our business insurance brokers specialize in providing customized insurance solutions for British Columbia wineries and vineyards, including those in:

Vancouver Island
Gulf Islands
Fraser Valley
Similkameen Valley
Okanagan Valley
Kootenay

More than 60 grape varietals are produced in BC, including Merlot, Pinot Gris, Pinot Noir, Chardonay, Cabernet Sauvignon, Sauvignon Blanc,Cabernet Franc, Syrah and Riesling. Is your winery located in Oliver, Oliver-Osoyoos area, Napa Valley, or elsewhere in British Columbia?

Our team partners with Canada’s leading insurance companies to ensure your coverage is as unique as your winery.

Did you know? About 95% of all wine produced in BC is VQA. When you see BC VQA on a bottle, it means the wine is made from 100% BC-grown grapes. VQA stands for Vintners Quality Alliance.

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How much does BC winery insurance cost?

There isn’t a set price to protect an British Columbia winery with business insurance. The following factors are usually considered when determining the cost of your insurance:

Location(s)
Services provided
Number of employees
Years of experience
Annual revenue
Past claims

Key Insurance Coverage for British Columbia Wineries

Professional liability insurance helps protect wineries in BC against claims of negligence or failure to deliver services as promised. It’s also called errors and omissions insurance.

Product liability insurance is recommended for anyone who sells, manufactures, or distributes wine. It covers manufacturing defects. You may also want to add product recall insurance to protect your winery from financial losses that can result from wine being recalled.

Commercial general liability (CGL) insurance helps protect your British Columbia vineyard business if you’re found legally liable for bodily injuries or property damage to an attendee at an event or supplier at your catering business.

Cyber liability insurance will help protect you financially should there be a cyber-attack.

Event liability insurance is recommended to cover third-party bodily injury or third-party property damage claims that may arise at an event.

Liquor Liability Insurance is vital for wineries hosting tastings or events, protecting you from lawsuits caused by over-served guests. Adding liquor liability insurance to your wine insurance policy offers protection from potential lawsuits. It will help cover third-party bodily injury and property damage claims caused by an intoxicated attendee at a wine tasting, for example.

Did you know? British Columbia's climate, soil, and elevation diversity make it a great place to grow grapes and produce wine.
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You’ll also need:

Business interruption insurance supports you when your BC vineyard can’t operate due to a covered loss, such as damage to your equipment from fire or vandalism.

Crop insurance typically protects against losses to crops caused by natural perils, such as drought, hail, and frost.

Crop inputs insurance covers such things as spray drift and misapplication and helps cover you in the event losses occur from chemical application errors, such as windy days or with dirty tanks.

Commercial property insurance provides financial support to replace or cover repairs to your winery if it’s damaged by a flood, fire, vandalism, or severe weather.

Let us help you protect your biggest investment

At Western, we are skilled business insurance shoppers. We work with Canada’s leading business insurance partners to get commercial insurance that protects your British Columbia winery.You will get fast and reliable commercial insurance tailored to your needs. We simplify business insurance and maximize your savings.

Why choose Western?

Expert Guidance: Licensed business insurance professionals with years of experience.
Tailored Coverage: Policies designed specifically for your winery’s size, risks, and location.
Hassle-Free Quotes: We simplify the process, providing multiple options to fit your budget and needs.
Best Commercial Insurance Quotes from Top Canada's Business Insurance Companies

When you get your business insurance coverage for your winery through us, we will send you the certificate of insurance right away, so you can focus on what you do best. It’s easy, fast, and customized. Get an online quote, text, email, or phone call. Choose what works for you.

Western Financial Group’s business insurance experts are ready to help you navigate your insurance journey. Safeguard your winery and focus on what matters most—crafting exceptional wine.

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