Travelers Agribusiness Winery Brochure - Travelers Insurance

AgribusinessWe don't just insure the wine,we insure a way of lifeTravelers Winery InsuranceProtecting the Fruits ofYour LaborAs a winery owner, you know thereis much more to making fine winesthan simply growing grapes.Viticulture, oenology, equipmentmanagement, staffing, marketingand insurance are all integralcomponents of a sophisticatedoperation. Large or small, theunique risks confronted byvintners require customizedinsurance solutions.Travelers Agribusiness Divisionhas developed a comprehensiveinsurance coverage programdesigned exclusively to meet theunique needs of wineries andvineyard owners/managers.Our broad and flexible WineryInsurance Program brings togetherall the critical coverages neededby wineries, small and large – a farsuperior alternative to purchasinga generic insurance product loadedwith endorsements.For more information, you cancontact your local TravelersIndependent Agent or the localAgribusiness Account Executive:877.TRV.AGRI(878.2474)Visit us at:travelersagribusiness.comServing the Wine IndustryAs a leading provider of insurance toagricultural businesses, TravelersAgribusiness Division is well-versedin the unique needs of wineriesand vineyard owners. Insuring withTravelers gives you access to a teamof knowledgeable underwriters,risk control specialists and claimsadjusters who understand yourgrowing business and are dedicatedto the agricultural community. Ournetwork of independent rural agentscan provide the expertise required tomeet your needs.Custom Coverages forWineriesWinery Property Endorsement• $25,000 for Brands andLabel expense• $25,000 for Wine Leakage(can be increased)• $25,000 for Wine Contamination(can be increased)• $25,000 for loss or damage tooutdoor trees, plants and shrubs;$1,000 per tree and vine• Market Value for your wineOrchard and Vineyard GrowersProperty Coverage Endorsement• $50,000 for damage orloss to vines; $1,000 per vine• $5,000 for loss or damage to signs• $5,000 transit coverage• Harvested grapes andrelated packaging materialsand containersProduct Recall Expense Coverage• Covers the expenses incurredfor removing an unsafe productfrom the marketVineyard Managers Program• Expanded definition ofchemical drift to include all farmmanagement locationsStandard CoveragesPropertyCovers buildings utilized forprocessing and warehousing,offices and tasting rooms, as well as:• Newly constructed buildings –automatically coveredfor $250,000 up to 60 days• Improvements and betterments• Private power and light poles• Outdoor radio and TV equipment• Portable buildings and portablestructuresScheduled property including wineproducts, barrels and equipment• Newly acquired and/orreplacement vineyardequipment automaticallycovered for $100,000 up to 60 days• Primary coverage forborrowed, rented or leasedvineyard equipment• Theft of miscellaneous tools andequipment on or away fromthe insured premises

Liability Coverages• Basic and comprehensive liabilitycoverage for bodily injury andproperty damage• Liability for personal injury andadvertising injury• Product Liability• Fire Legal Liability for $50,000(can be increased)• Liquor Liability• Chemical Drift for $25,000(can be increased)• Personal Liability forsole proprietorsOptional Coverages• Wine while stored off premises• Wine stored for others• Special Events• Equipment Breakdown• High Valued Dwelling coverage• Fine Arts• Computer/ElectronicData Processing Equipment• Business Income andExtra Expense• Accounts Receivable• Valuable Papers and Records• Money and Securities• Crime and Fidelity• Directors & Officers• Utilities Services• Employee Practices• Identity Fraud ExpenseThe Strength of TravelersWith more than 150 years ofinsurance experience and consistentlystrong financial ratings, Travelers isone of the nation’s premier insurancecompanies – a reassuring positionof strength.You’ve worked hard togrow your winery business.Don’t leave it unprotected.Make sure your coverage keepsup with your growing business.The Travelers Indemnity Companyand its property casualty affiliatesOne Tower SquareHartford, CT 06183travelers.comThis material does not amend, or otherwise affect, the provisions or coverages of any insurancepolicy or bond issued by Travelers. It is not a representation that coverage does or does not existfor any particular claim or loss under any such policy or bond. Coverage depends on the factsand circumstances involved in the claim or loss, all applicable policy or bond provisions, and anyapplicable law. Availability of coverage referenced in this document can depend on underwritingqualifications and state regulations.© 2012 The Travelers Indemnity Company. All rights reserved. Travelers and the Travelers Umbrella logo areregistered trademarks of The Travelers Indemnity Company in the U.S. and other countries. CP-6322eb Rev. 4-12