What insurance does a winery business need? (2026)
Most winery operations carry a stack of commercial-insurance lines — some legally required (typically workers' compensation when you have employees), most commonly carried because clients, landlords, lenders, or regulators expect them. Below: the lines that bureau filings most often cite for winery operations. Confirm what's legally required vs commonly carried with a licensed agent in your state — requirements vary state by state.
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Insurance requirements for other industries
Browse the typical insurance coverage stack for other verticals. Each links to that industry's standalone requirements page.
| Business activity |
|---|
| Alcoholic beverages, brandy, distilling |
| Applejack distilling |
| Beverages, wines and brandies, manufacturing |
| Blending brandy |
| Blending wines |
| Brandy distilling |
| Champagne method sparkling wine, manufacturing |
| Cider, alcoholic, manufacturing |
| Distilling brandy |
| Fortified wines manufacturing |
| Grape farming and making wine |
| Ice wine |
| Liquors, brandy, distilling and blending |
| Nonalcoholic wines manufacturing |
| Sake manufacturing |
| Sparkling wines manufacturing |
| Vermouth manufacturing |
| Wine coolers manufacturing |
| Wineries |
| Wines, cooking, manufacturing |
| Wines manufacturing |