Business Insurance
One-stop cover for wineries, cellar doors and distilleries
In South Australia, wineries and vineyards are a big part of our agricultural industry. Unexpected weather — bushfire or flood — can damage property, vines, distillery and people on your premises. We arrange cover for all of it.
3 offices
Adelaide · Sydney · Brisbane
160+ insurers
Through our broker network
24/7
Claims support
What does winery & vineyard cover include?
Wineries and vineyards face risks no generic policy covers — from bushfire and flood to equipment failure mid-vintage.
- Protection for vine and trees — Crop insurance for vineyards and orchards, covering weather-related risks, pest and disease, and natural disasters that hit yield and quality.
- Property and cellar — Cover for winery and homestead buildings, equipment, inventory, business and farm liability, and business interruption.
- Distillery and winemaking — Cover for property, liability, equipment, inventory and business interruption — including equipment breakdown, wine leakage and contamination, tank collapse, and property in transit.
- Machinery and equipment — Tractors, harvesters, sprayers and vineyard machinery, plus the cost of repairing fermentation tanks, bottling lines, crushers, presses, pumps and refrigeration units that break down.
Why choose KeyInsure for your winery cover?
You need a broker who understands the industry, not a generic policy. We specialise in winery cover — including the details that matter, like wine leakage and contamination — and build a policy around your operation.
From our clients
“We have used KeyInsure for our winery cover for years. Irene has done a great job — she helps us with coverage for our cellar door, stocks and distillery. We always find the process to be painless and simple, even with their claims team. Irene goes above and beyond when required. We will continue to use her services in the future.”
Cimicky WineryCommon questions
What type of insurance do I need for a winery?
- Which policies should a winery hold together? — Most wineries combine property and cellar cover, crop cover, liability and business interruption. We'll look at your operation — vineyard, cellar door, distillery or all three — and build a package rather than selling you separate policies.
- Do I need equipment breakdown cover? — If a fermentation tank, bottling line or refrigeration unit fails mid-vintage, the cost is immediate. Equipment breakdown cover is designed for mechanical or electrical failure — worth considering alongside your property cover.
- Are weather events covered? — Policies can cover weather-related risks to your crop and property, including bushfire and flood. Coverage varies by policy, so we'll confirm exactly what applies to your block.
Related cover
Cyber InsuranceYou've insured your premises, your belongings and your income. But what about the data in your databases, and the systems you rely on to keep running?View cover →Personal AccidentAccidents and illness bring costs you can't plan for — medical expenses, rehabilitation, lost wages, reduced productivity. Personal accident and illness cover steps in when you can't work.View cover →Builder IndemnityIn South Australia, building indemnity insurance is compulsory on domestic building work over $20,000 that needs development approval. You take out the policy; the homeowner is the one it protects. Construction work liability is the separate cover for your own business while the job is running.View cover →
Get a quote today
General advice only. Consider the relevant PDS & TMD before acquiring any product.