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S & S Insurance For Wineries
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Comprehensive Solutions To Protect You
Running a winery in British Columbia means juggling many moving parts: growing grapes, managing production, opening your doors to guests, and hosting special events. Everyday risks can threaten all that hard work—storms that damage vines, equipment breakdowns, slips and falls in the tasting room, supplier issues, or a small kitchen fire that closes you for days. Our role as your insurance broker is to understand how your winery operates, identify the specific risks you face, and build practical, affordable protection around them. We work with leading insurers who understand the wine industry, so your policy reflects real exposures, not guesswork or generic wording. With the right coverage in place, you can focus on crafting outstanding wines and experiences, knowing your buildings, product, income, and reputation are better protected every day.
No two British Columbia wineries are alike, which is why a one-size-fits-all policy rarely works. We design a comprehensive insurance program that can include property coverage for buildings, barrels, tanks, and production equipment, as well as protection for stock, finished bottles, tasting room inventory, and wine in transit. Your policy can extend to general liability, host liquor liability, product recall, and coverage for tours, tastings, and special events on or off site. We can also arrange business interruption insurance to replace lost income after an insured loss, equipment breakdown coverage, cyber protection, crime coverage, and protection for mobile equipment and vehicles used on and off your property. As your broker, we regularly review your coverage as your acreage, production levels, wholesale accounts, or direct-to-consumer sales grow, helping ensure your winery is properly insured at every stage.
Even well-run wineries face claims. A guest may slip on a wet floor in the tasting room, a windstorm may damage vines and outbuildings, or a piece of bottling equipment may fail, forcing you to halt production. With the right insurance in place, these situations become manageable rather than devastating. Property and equipment coverage can pay to repair or replace damaged assets, while business interruption coverage helps replace lost income and extra expenses while you get back up and running. Liability insurance can respond to third-party injury or property damage claims, covering legal defence costs and settlements, subject to policy limits. As your broker, we help you report claims quickly, work with adjusters, and advocate on your behalf so you understand the process, avoid surprises, and return to normal operations sooner.
Coverages Available For You
Bailee’s customer insurance protects businesses in British Columbia from liability for damages to customer property while in their care, ensuring peace of mind.
Business insurance safeguards against unexpected incidents like property damage or legal claims. Protect your company’s future with tailored insurance solutions.
Business interruption insurance replaces lost income and covers expenses when your BC business is forced to close due to a covered event like fire or natural disaster.
Business liability insurance protects BC companies from financial losses due to lawsuits, covering legal costs and damages for third-party injuries or property damage.
Comprehensive insurance protecting goods in transit and storage, ensuring your cargo and stock are covered against loss, damage, or theft worldwide.
Commercial auto insurance covers vehicles used for business purposes, protecting against liability, damages, and accidents involving your company’s cars, trucks, or vans.
Protect your business in British Columbia with tailored commercial insurance that covers liability, property damage, and more, ensuring peace of mind for entrepreneurs. Commercial insurance implies a broader umbrella covering larger enterprises, complex industrial operations, or specialized fleets. It frequently refers to “Commercial Package Policies” (CPP) that allow companies to bundle complex coverages (like liability, property, and fleet) à la carte with higher limits.
Protect your business assets with comprehensive coverage for property damage and loss.
Protect your leadership with Directors & Officers insurance in BC. Safeguard personal assets and decision-making from legal challenges in today’s complex business environment.
Commonly Asked Questions
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Our team of experts specializes in home, auto, business, life, travel insurance, and more, providing you with tailored guidance to ensure you receive the best possible coverage.
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Expertly crafted insurance solutions uniquely tailored to meet your specific lifestyle and coverage needs effectively.
Leverage our local knowledge to secure insurance that's suited for British Columbia’s unique market conditions.
Explore a wide range of personal and commercial insurance products, all through one comprehensive policy.
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Our team of professionals brings 30+ years of expertise to guide you through the insurance selection process.
In partnership with top insurers, we provide robust, reliable coverage tailored to meet your unique needs.
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