Winery Insurance Minnesota

Winery & Vineyard Insurance in Minnesota

As a winery or vineyard owner, you know there is much more to the process of producing terrific wine than simply growing grapes. Large or small, there is a unique risk for insuring a vineyard or winery and vintners require customized insurance solutions. At Variant Insurance Group in St. Louis Park, MN we understand wine. Our winery program is in partnership with some of the top insurance companies in the country. We’ve established great programs with regional partners as well; partners who understand your local needs and whose programs will help your winery in Minnesota be protected throughout the year, both in the season and while your wine is aging.

Some Optional Coverages Include:

Wine Leakage* – includes property held by the insured in trust or on consignment or on joint account belonging to others. 

Unexpected Wine Oxidization* – finished or in process if caused by failure of corks, synthetic corks or screw tops and results in volatile acidity that exceeds the federal standard.

Unexpected Wine Contamination* – contact of wine products with residual cleaning solvents within the tanks/vessels/barrels/bottles.

Winery Stock Valuation *

  • Finished Stock – selling price less value of discounts and expenses.
  • Irreplaceable Wines – value on the date of loss at the average market value.
  • Stock in Process – value on the date of loss for previous three years for the same varietal.

*please note the above coverage options are simplified descriptions of policy language. Please reference your company issued policy for complete details of coverages, conditions, exclusions and limitations.

Other Winery Insurance Coverage Availability:


  • Buildings, business personal property and stock
  • Business Income
  • Extra expenses
  • Equipment breakdown
  • Crime
  • Inland marine
  • Contamination
  • Wine leakage
  • Wine caves
  • Blanket limits
  • No co-insurance clause
  • Fine arts
  • Computers and media
  • Accounts receivable
  • Valuable papers and records
  • Commercial auto


  • General liability
  • Liquor liability
  • Employment practices liability
  • Employee benefit liability
  • Product withdrawal expense
  • Wind drift or overspray
  • Progression liability
  • Internet liability and network protection
  • Auto liability
  • Umbrella liability

Let the insurance experts at Variant Insurance Group help you insure your winery or vineyard. From small boutique wineries to mid-sized, we offer a great variety of options to protect your investment. Our agents are ready to start the process of insuring your winery or vineyard. Contact us today.