Promoting Health, Wellness, and Safety in Agriculture: A Guide for a Safe Harvest Season
To ensure the success and safety of agricultural operations, employers should prioritize staff health and wellness during Harvest Season.
Whether you’re growing, producing, or distributing, you need a partner who understands the unique risks of the wine and agribusiness world. Our specialized insurance solutions are tailored to protect every facet of your operations—from vine to bottle and field to fork.
At Morris & Garritano, we work with a wide range of agricultural clients, from long-established wineries and vineyard managers to livestock producers and farm labor contractors. We’ve built a reputation on knowing the challenges that businesses experience while helping find smart, forward-looking insurance solutions to stay protected and profitable. Our team brings decades of combined experience and access to exclusive industry programs to help cover high-value inventory, navigate rural property risks, and structure workers’ compensation solution for seasonal labor demands. We don’t just quote policies—we build customized insurance programs that grow with your operations and reflect what matters most to you.
For those businesses rooted in wine or focused on broader ag production, we’re ready to help you manage risk today and plan for what’s ahead.
Wineries & Vineyards
Tailored insurance coverages for wine stock, high property values, tasting room exposures, special events, vacation rentals, restaurants, compliance companies, winery consultants, custom crush, and more. We offer exclusive program access and deep industry knowledge to help protect every stage of your winemaking business.
Agricultural Producers
Coverage for growers, packers, and processors—from property and fleet to product liability and contamination. We understand the challenges of insuring rural operations and provide solutions that evolve with your crop cycles and risk profile.
Farm Labor Contractors
Customized workers’ comp and safety-focused programs for contractors managing crews across multiple crops and sites. We help FLCs meet compliance standards, support client expectations, and structure coverage that keeps complex labor operations protected.
Comprehensive Coverage
From property to people, we provide full-service insurance strategies that match the complexity of your operation.
- Stock Throughput
- Workers’ Compensation
- Directors & Officers
- Employment Practices Liability
- Employee Benefits
- Earthquake
- Flood
- Cyber Liability
- Foreign Packages
Customized Services
We go beyond the policy to support the real-world operations of your business, helping you navigate challenges, reduce risk, and make confident decisions along the way.
- Inventory Valuation & Coverage Analysis
- Fleet Management Review
- Rural Property & Equipment Risk Solutions
- Spoilage, Contamination & Leakage Coverages
- Property in Transit
- Liquor Liability & Hospitality Exposures
- Federal and Cal/OSHA-Aligned Safety & Workforce Planning
- Premier Access to Specialty Programs
- Coverage Analysis for Wine Caves
Specialized Lines of Coverage & Services
Product Recall
Protects against the financial impact of contamination, mislabeling, or product withdrawal—safeguarding both your brand and bottom line.
Wine Inventory
Provides coverage for unfinished and bottled wine as well as picked grapes, including spoilage, leakage, and loss, with flexible valuation options.
Stock Throughput
Covers your inventory wherever it goes—from warehouse to transport—reducing gaps and ensuring end-to-end protection.
Risk & Safety
Mitigate risks and prioritize safety with expert safety and loss control consulting services.
Surety
Bonds that support licensing, contracts, and compliance—giving you the backing needed to grow and operate with confidence.
Workers’ Compensation Claims Analysis
Care for your injured workers and support in navigating the steps to contain the costs of the loss.
Client Successes
Samantha Clough is our person that takes excellent care of our policy with M and G. Samatha makes EVERYTHING painless. She is patient, effiecient and makes sure we have everything to renew easily. We appreciate her so much!!! I think your team is perfect! I never worry because they make sure we are taken care of.
Lynette and Samantha make sure all relevant details are checked and double checked. I don’t know how it could be done any better. Our situation is complex and demands clarification, I am very impressed with their attention to detail.
Mark and his team have been so great to work with. They are always responsive and timely with any request or question we might have. We can also trust that our coverage needs have been fully understood and then met in the policies they present to us.
Mark has been instrumental in helping us determine a strategic and affordable risk management program. He has been extremely knowledgeable and professional in all of our communications. I couldn’t be happier working with Mark and Morris & Garritano.
Many thanks for your professional competence, and for your exemplary customer service.
What “covered” should feel like.
Your Wine & Agribusiness Team
At Morris & Garritano, our service team is dedicated to providing you with unparalleled support and expertise every step of the way. From the moment you partner with us, you can expect personalized attention, proactive communication, and access to a wealth of resources tailored to your needs.
Our team is available to assist you whenever you need us, whether it’s answering questions, navigating complex insurance matters, or providing guidance on risk management strategies.
Your Team
Dedicated Advisor
Dedicated Account Manager
Account Management Support Team
Practice Leadership
WC Claims Analyst
P&C Claims Advocate
Risk Management Consultant
HR Consulting Team
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Vineyard Harvest Safety
The Summer months are in full swing and with the warming temperatures, grape vines are under close eyes. As any experienced vineyard operator or grape farmer knows, the best date of harvest is rarely ever the same.
