Rooted in California’s wine regions, we understand the complex risks wineries and vineyards face—from wildfire exposure to high-value inventory. With decades of experience and access to exclusive insurance programs, we build coverage strategies as refined as your craft.

Close up of a bucket of grapes being dumped into a destemmer

Protection for Wineries & Vineyards

  • Estate wineries
  • Custom crush facilities
  • Tasting rooms and wine clubs
  • Vineyard management companies
  • Wine producers and bottlers
Wine bottling line full of bottles of rose

Wine Inventory & Valuation

Your wine isn’t just a product, it’s a financial asset that fluctuates with time, quality, and market demand. Our team works with clients to determine insurable values at every stage—from bulk to bottled—and structure policies to reflect what you want to retain versus insure.

 

Rural Property & Hospitality Exposures

Many wineries operate in high-fire or hard-to-insure areas and offer experiences that bring visitors onsite. We build layered programs to address property risk, liquor liability, and event coverage – factoring in the unique considerations when homes and operations overlap.

 

Close up of someone pouring wine into a glass

What “covered” should feel like.

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Morris & Garritano Insurance
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