Insurance for wine businesses
If you operate a wine business you may have come to the SMART place for affordable and suitable business insurance cover.
Wherever you are in Australia you face risks by selling alcohol and, if you operate from a shop front, by members of the public entering your wine store.
Even once your customers have made their wine purchase, you may be responsible if things go wrong. As you may be aware, when alcohol is involved the risks are greater.
Wine business insurance – what can it cover?*
Wine business insurance may be able to cover all or some of the risks below. For more information on what it can cover , requirements and costs please TALK to one of our helpful business insurance brokers on 1300 542 573.
- Public Liability – a bottle of wine is spilt resulting in injuries from glass breakage or slips and falls.
- Product Liability – eg: product or service does not perform to reasonable expectations resulting in damages, or unwanted objects in wine, alcohol poisoning.
- Business Equipment
- Fire and Perils – eg: fire arising from flammable products in stock
- Crime – eg: cash and alcohol
- Business Interruption – eg: profit associated with location in the event you are forced to close your liquor store for an extended period.
- Marine cargo insurance eg can cover wine while in transit ; if damaged , lost or stolen
- Equipment Breakdown – eg: refrigerator breaking down resulting in loss of stock.
- Commercial property insurance - protection for your store property, stock, fixtures and more
- Cyber insurance - eg .Hacking of payment facilities or online store
- Business insurance pack - combine covers such as glass, money, theft and more for your wine business
How much does wine business insurance cost?
Our helpful business insurance brokers can help you find suitable cost effective insurance for your wine business.
Depending on a number of factors such as whether you operate from a shop front, winery, warehouse or online, where your business premises are located, the value of the property insured, the level of security, the size of your liquor store, the covers taken and your claims history certain insurance companies may offer better terms.
TALK to a SMART Insurance broker on 1300 542 573 for your wine business insurance costs and quotes or email us at email@example.com.
Wine business insurance broker
Our helpful small business insurance brokers can help you find suitable cost effective insurance for your wine business.
Depending on a number factors certain insurance companies may offer better terms.
Wine business insurance quotes
Where possible our friendly insurance brokers will obtain multiple quotes on suitable insurance policies for your wine business from leading insurance companies such as Vero, QBE, Zurich and AIG or obtain a competitive quote from a specialist underwriter.
For more information on wine business insurance requirements, including what business interruption insurance can cover, TALK to a SMART Insurance broker on 1300 542 573 for SMART insurance cover for your wine business.
1300 542 573
TALK to a SMART Business Insurance adviser
Monday – Friday 8.45 am - 6.00 pm AEST
The Situation Address must be the address of either the physical risk being covered (like a property) or, in the case of Liability policies, the physical address for the normal place (or places) of business.
If you have multiple business locations, e.g., a number of branches, shops, factories or depots, then ALL location addresses must be shown on the schedule and advised to the insurers. And the multiple location addresses then needs to be kept up to date with the insurers at all times, in the event of any changes.
Insurers will not accept a Post Office box as a "normal place of business", because you cannot do business from a PO Box.
A PO Box is fine for a mailing address, but cannot be used as the address of the "Situation" on any policy.
For example, Public Liability policies usually operate "at and from" an address, which should be the normal place of business for a business policy.
If the business was run from home, for example, then the home address would be shown as the normal place of business. The "at and from" nature of the cover would then cover any transitory business conducted away from the home address (or away from a real business address, as the case may be).
If the business was run from home but was selling through stands or kiosks at markets or shopping centres then that would have to be disclosed to the insurer, as it affects the risk.