Agriculture & Wineries

Agricultural and winery operations face a unique mix of risk — where land, equipment, people, product, and the elements all intersect. At Swingle Collins, we work with agricultural businesses and wineries that need more than standard coverage. They need an advisor who understands the realities of seasonal operations, specialized equipment, labor fluctuations, regulatory exposure, and the growing complexity of public-facing and distribution risks.

Agricultural operations face exposures that go far beyond standard property insurance. Weather volatility, crop and livestock risk, irrigation systems, grain storage, equipment breakdown, transportation, and environmental considerations all demand specialized coverage and risk planning. We help farmers, ranchers, and agribusinesses protect both physical assets and operational continuity in an industry where margins and timing matter.

Wineries present an additional layer of complexity — combining agricultural production with hospitality, retail, and distribution exposures. For wineries, risk extends beyond the vineyard. Tasting rooms, events, retail operations, and liquor liability all introduce layers of exposure that must be thoughtfully coordinated. We design insurance programs that protect not only the operation but also the experience and brand you’ve worked hard to build.

Our advisors take the time to understand how your business operates when peak seasons hit, where downtime would hurt most, and how claims could disrupt operations. From property and equipment protection to workers’ compensation, product liability, business interruption, and liquor liability, we build tailored programs that evolve as your business grows.

Most importantly, you’ll have a dedicated advisor who stays engaged year-round, monitoring emerging risks, reviewing coverage as operations shift, and responding quickly when issues arise.

Typical Insurance Coverage for Agriculture & Wineries

• Commercial Property (buildings, barns, production facilities, tasting rooms)
• Equipment Breakdown & Inland Marine (specialized farming and production equipment)
• Crop Insurance (where applicable)
• Business Interruption & Extra Expense
• Product Liability & Product Recall
• Liquor Liability
• General Liability (including premises liability for events and tastings)
• Workers’ Compensation (seasonal and migrant labor considerations)
• Commercial Auto & Fleet
• Farm & Ranch Liability
• Umbrella & Excess Liability
• Environmental & Pollution Liability
• Cyber Liability (for POS systems, wine clubs, and customer data)
• Employment Practices Liability (EPLI)
• Directors & Officers (for larger agricultural enterprises or winery groups)