Homeowner insurance is much more than just coverage for your home and other structures. As a consumer, you need to know what your policy covers and protect yourself with enough coverage.
Most breweries, wineries or distilleries offer tours and a tasting room where guests can enjoy a sample of the product or purchase drinks made on-site. These operations present a different set of exposures than a typical beverage manufacturing facility. If you own a beverage business, closely evaluate your operation to ensure guest safety.
The post Tasting rooms and tours: Consider guest safety first appeared first on The Cincinnati Insurance Companies blog.
Once your wine collection is properly stored, perhaps in a well-constructed custom wine cellar, and your systems are appropriately backed up, are you and your wines safe? Maybe not. What is the state of your records?
Homeowner insurance isn’t just for the structure of your house. It also provides protection for most of your personal possessions. Some possessions of special value may require additional protection through a personal articles floater that can provide coverage beyond your standard policy.
In a previous article, I discussed the importance of proper wine storage: temperature control (cool and consistent), humidity control, protection from direct sunlight and protection from vibration. Unless you store your wine in a deep cellar, these conditions will not occur naturally. They can, however, be obtained through construction.
The post Keeping it chill – The lowdown on home wine cellars appeared first on The Cincinnati Insurance Companies blog.