Who insures it · 3 named markets · read 2026-10-28

Who insures vineyards and wineries?

Vineyards and wineries is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

3 markets publicly write vineyards and wineries: Travelers Agribusiness - Wineries & Vineyards, PAK Programs - Winery PAK (underwritten on behalf of Great American Insurance Company), Novatae Risk Group. 1 admitted carrier, 1 program administrator, 1 MGA.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
Travelers Agribusiness - Wineries & Vineyards Admitted carrier	Vineyard owners, virtual winery owners, winery owners, wineries hosting public tastings; winery property endorsement (tasting rooms, wine products, barrels), orchard and vineyard growers property endorsement, vineyard managers program, vineyard equipment, chemical drift liability “Travelers Agribusiness is well-versed in the specific needs of wineries and vineyard owners.”	not stated (page: availability depends on underwriting and state regulations)	not stated	travelers.com · read 2026-10-28
PAK Programs - Winery PAK (underwritten on behalf of Great American Insurance Company) Program administrator	Wineries and vineyards, wine producers, tasting rooms, custom crush, lodging; vineyard coverage standalone or with a winery; property and liability (tasting rooms, events, alcohol service, vineyard operations); open brokerage through licensed agents “Winery PAK writes vineyard coverage as a standalone program or combined with a winery.”	45 states	not stated	pakprograms.com · read 2026-10-28
Novatae Risk Group MGA	MGA binding authority for hospitality classes; 'Wineries/breweries' listed among the binding classes (with bars, banquet halls, caterers, hotels, restaurants) “Novatae is an MGA with Binding Authority for several hospitality classes including the following:”	not stated (CA and TX DOI licenses shown)	not stated	novatae.com · read 2026-10-28

Three markets verified. Crum & Forster's winery page and overview PDF returned 403; Markel's wine page now redirects to a discontinued-program notice; Alteris (WineryPlus) and Nationwide winery pages were not found; The Hartford's winery page timed out; Heffernan is a retail broker rather than a market and was excluded. ICC and Novatae pages were verified by the research agent for the breweries niche; both name wineries.

How vineyards and wineries gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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