wine industry insurance program

Winery & Vineyard Program Overview

Business InsuranceEmployee Benefits

Personal Insurance

Complete, comprehensive business coverage for the wine industry. Whether you’re a sole proprietorship or a large corporation.

Comprehensive benefits services, including health, dental, vision, retirement and estate programs – all designed to help you retain your employees

Our dedicated personal insurance staff can help you save time and money on your homeowner’s insurance, auto policies and more

Business Insurance• Employment Practices

• Property

• General Liability

• Product Recall Expense

• Damage during Production

• Change in Temperature

• Brands & Labels

• Wine Contamination

• Trellis & Vines

• Borrowed or Rented Ag Equipment

• Chemical Drift

• Fine Arts

• Care, Custody & Control – Policy Limits

• Farm Pollution Clean-Up

Agency Services

• Coverage Summary

• Policy Schedule

• Premium Breakdown

• Statement of Values

• Coverage Checklist

• Claims Management

• Unit Statistical Claims Review

• Experience Modification Projection

• Loss Control & Safety

• Account Marketing

• Contract Review

• Certificate Processing

• Social Networking Services

• On-Site Safety & Human Resource Services

Some of Our Carrier Relationships…

• Fireman’s Fund Insurance Company

• Fairmont Specialty

• Nationwide Agriculture

• Sequoia Insurance Company

• Zenith Insurance Company

• Unigard Insurance Company

• Hanover Insurance Company

• Liberty Mutual

• Traveler’s Insurance Company

• Lloyds of London Specialty Property Division

• S.N. Potter Insurance Company (exclusive Sonoma County Agent)

VineCompWorkers’ Compensation Services

• In-house Workers’ Compensation Claims Administrator

• Claims Review & ManagementRegularly scheduled employer meetings to review outstanding claims

• Review of Loss Runs and Open ClaimsEnsuring that claims are resolved appropriately and closed in a timely manner

• Quarterly Follow-up (or as-needed)For problem claims with insurance claims adjusters

• Experience Modification ProjectionIn-depth client meeting, six months prior to policy renewal, to review all data that will be included in the upcoming experience modification factor

Safety & Human Resource Services

• In-house Human Resource & Safety Administrator

• Development of Injury and Illness Prevention Plan (IIPP)

• Development of Safety Incentive Programs, General Safety Programs and Employee Handbook

• Sexual Harassment Training for Supervisors and ManagersRequired by AB 1825 for employers with over 50 employees

• Work Injury Risk Audit

• Federal and Cal/OSHA Compliance

• Job Description Development

• Hiring / Termination Policies Review

Online Risk Management Center

• Exclusive provider of GP Track, our online risk management center

• Online platform to help develop risk mitigation and manage safety needs

• Comprehensive library of safety, risk management and human resource materials

• Software applications that automate many of the training, record keeping and reporting tasks required for compliance

Employee Benefits• Non-Qualified

Deferred Compensation

• Retirement 401(k)

• Employee Assistance Programs

• Health Savings Accounts

• Key Person

• Medical

• Dental

• Vision

• Long-Term and Short-Term Disability

• Long-Term Care

• Voluntary Benefits

• Life

• Supplemental Life

Personal Insurance• Boat and

Watercraft

• Motorcycle

• Recreational Vehicles

• Mobile Homes

• High-Value Homes

• Youthful and Elderly Drivers

• Life

• Individual Disability

• Individual Long-Term Care

• Auto

• Homeowner’s

• Umbrella Policies

• Flood

• Earthquake