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George Petersen Insurance Agency

Pinnacle Brokers Insurance Solutions

Sander, Jacobs, Cassayre Insurance Services

Our Risk Managers in FRP’s Winery Practice, representing George Petersen Insurance Agency, Pinnacle Brokers Insurance Solutions and Sander, Jacobs, Cassayre Insurance Solutions, bring more than 50 years of combined experience serving wineries. Our dedicated Wine Team has a deep understanding of the terroir in Napa and Sonoma counties, where our wine practice is centrally located and a large portion of our wine industry clients are located. This expertise enables us to identify familiar and unique exposures and deliver tailored solutions that meet their needs.

We also recognize the challenges today’s wineries face. Sales are tightening and premiums continue to rise. At the same time, fewer insurance companies are willing to write wineries than in years past, putting greater pressure on the limited market for quality coverage. This makes it more important than ever to work with carriers who allow us to tell your story through a data-driven approach that highlights the steps you are taking to mitigate risk and find ways to reward you for those efforts. Our team has a strong track record of negotiating better terms and pricing as a result. Let us share our tailored process to help protect what matters most to you. Consult with a Broker.

Serving California's Winery Communities

with offices in

Auburn | Healdsburg | Napa | Santa Rosa

Redding | Walnut Creek | Ukiah

Our Specialized Coverage

Winery Insurance Programs

Protect your vines, wine inventory and operations with specialized winery and vineyard insurance solutions designed for production, hospitality and distribution risks.

Workers’ Compensation Insurance

Protect your employees and your business with workers’ compensation coverage tailored to winery and vineyard operations.

Employee Benefits for Wineries

Attract and retain top talent with employee benefits and health insurance solutions designed for winery and vineyard workforces.

In‑House Safety and Risk Management

Proactive safety and risk management services for wineries and vineyards, supporting safer operations from harvest and cellar work to tasting room and events.

In‑House Claims Management

From vineyard to vintage, our in‑house claims team manages workers’ compensation, property and liability claims so wineries can focus on wine production, not claim disputes.

Operations, Organizational Development and Recruiting

Through our FRP Solutions Division, we support wineries with human resources consulting, recruiting and business development services that strengthen teams and support long‑term growth.

Serving California's Winery Communities

with offices in

Auburn | Healdsburg | Napa | Santa Rosa

Redding | Walnut Creek | Ukiah

Our Specialized Coverage

General Liability Insurance

Liquor Liability Insurance

Product Liability Insurance

Commercial Property Insurance

Crop/Vineyard Insurance

Equipment Breakdown Insurance

Business Interruption Insurance

Wine Stock or Inventory Insurance

Commercial Auto Insurance

Workers’ Compensation Insurance

Pollution Liability Insurance

Cyber Liability Insurance

Experience You Can Measure

YEARS OF EXPERIENCE
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AGENCY PARTNERS
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TOP NATIONAL BROKERAGE
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Winery Insurance Programs

Protect your vines, wine inventory and operations with specialized winery and vineyard insurance solutions designed for production, hospitality and distribution risks.

HR Services, Organizational Development and Recruiting
End‑to‑end workforce support helping wineries strengthen teams and plan for long‑term growth.

  • HR Consulting and Compliance: Outsourced HR support, employment law guidance, employee handbooks and policy development.
  • People Management Support: Employee relations guidance, compensation analysis and benefits consulting.
  • Leadership and Organizational Development: Leadership development, management coaching, organizational planning and employee engagement strategies.
  • Recruiting and Talent Solutions: Executive search, leadership recruitment, candidate sourcing and screening.
  • Workforce Planning: Onboarding, performance management and succession planning support.
  • Risk and Resolution Support: Workplace training, investigations, conflict resolution and mediation services.

In‑House Claims Management
Hands‑on claims advocacy helping wineries manage workers’ compensation, property and liability claims with minimal disruption.

  • Dedicated Claims Advocacy: An experienced in‑house claims team supports wineries throughout the life of each claim.
  • End‑to‑End Coordination: Claim reporting, carrier communication and resolution management handled on your behalf.
  • Cost Control Focus: Ex Mod analysis and Ex Mod projections used to support long‑term claim cost management.
  • Operational Understanding: Claims managed with knowledge of vineyard operations, production environments and hospitality exposures.
  • Business Continuity: Efficient claims handling allows owners and operators to stay focused on people, property and wine production.

In‑House Safety and Risk Management
Proactive services helping wineries and vineyards reduce risk while supporting OSHA and regulatory compliance across operations.

  • Regulatory Readiness: Mock OSHA and Cal‑OSHA inspections, written safety program development and compliance reviews.
  • Injury Prevention Programs: Injury and illness prevention program support plus recordkeeping and documentation review.
  • Equipment and Operational Training: Forklift and powered industrial truck certification, safe driving and lockout and tagout procedures.
  • Workplace Safety Training: Hazard communication and SDS training, heat illness prevention, confined space awareness and ergonomics and back safety.
  • On‑Site Support: On‑site safety meetings, employee training and consultation for managers and supervisors.
  • Claims Reduction and Continuity: Safety strategies designed to reduce claims and support safer operations during harvest, peak production and high‑traffic tasting room periods.

Employee Benefits for Wineries
Benefit solutions designed to attract and retain talent across vineyard, production, sales and hospitality operations by providing comfort and peace of mind to team members and their family.

  • Core Health Benefits: Medical, dental and vision insurance tailored to full‑time, seasonal and year‑round employees.
  • Income Protection: Life insurance plus short‑ and long‑term disability coverage supporting financial stability.
  • Voluntary and Supplemental Benefits: Accident, critical illness, hospital indemnity and supplemental life coverage allowing employees to personalize protection.
  • Health and Financial Tools: Employee assistance programs, flexible spending accounts and health savings accounts supporting everyday health and financial needs.
  • Retirement and Workforce Stability: Retirement plan options balancing cost control, compliance and long‑term employee retention during peak production cycles.

Workers’ Compensation Insurance
Tailored coverage protects winery and vineyard employees while addressing the physical demands of agricultural operations risks. Coverage applies across the vineyard, winery, distribution activities and related operations.

  • Field and Machinery Operations: Coverage for vineyard employees working with tractors, harvesters, ATVs, pruning equipment and irrigation systems.
  • Production and Cellar Work: Protection for injuries tied to bottling, cellar operations, forklifts and material handling.
  • Hospitality and Events: Coverage for tasting room and event staff exposed to slips, falls and guest‑facing risks.
  • Common Injury Exposures: Responds to equipment operation, repetitive motion, lifting, vehicle use and workplace accidents.
  • Seasonal Labor and Compliance: Supports fluctuating workforces while helping maintain regulatory compliance.
  • Claims and Cost Management: Structured claims management designed to reduce disruption during harvest and peak production periods.

Winery Insurance Programs
Specialized coverage protecting winery and vineyard operations across production, distribution and hospitality. The coverage includes, but is not limited to the following.

  • Property and Stock Protection: Commercial property, wildfire insurance, wine stock and inland marine coverage for buildings, equipment and inventory, including property in transit or off‑premises.
  • Vineyard and Production Risks: Vineyard and crop insurance, equipment breakdown and pollution coverage addressing agricultural and production exposures.
  • Liability and Hospitality Exposures: General liability, liquor liability, product liability and worldwide liability coverage for tasting rooms, events and exports.
  • Business Continuity: Business income and extra expense coverage supporting revenue replacement after covered disruptions.
  • People and Vehicles: Workers’ compensation, commercial auto and employment practices liability coverage for employees and drivers.
  • Events and Special Situations: Event liability, umbrella and excess liability, crime, cyber, active assailant and terrorism coverage for evolving and high‑severity risks