specialized programs.

As a wine distributor, you need coverage for losses to your stock, damage to your property, lost income, and your liability for injury to others or damage to their property. Additionally, you need workers compensation insurance and employment practices liability insurance. If you have anyone driving on behalf of your company, business auto insurance is a must.

A.J. Benet has all these coverages for Wine Distributors Insurance and more that can be tailored to your specific needs.

As the producer or seller of consumables, you are at risk from product recalls, product tampering and food-borne illness. You probably also need liquor liability, and if you host special events, such as tastings, you may need special event insurance. Our equipment breakdown insurance can cover humidifiers, refrigeration equipment, lifts, conveyors and multiple other essential pieces of expensive equipment required to keep your business operating. We can coverage bottle breakage, contents spoilage and other damage to or theft of inventory.

If you grow the grapes, ship the wine or bottle the wine, you have a whole set of risks that require special attention. Your A.J. Benet advisor will review your operations and facilities with you in person to best determine your risk profile. We listen to your concerns and give you feedback about things we’ve seen elsewhere in the industry that might help you with your insurance choices.

Often, the essential coverages, such as general liability and commercial property insurance, can be found bundled in a business owners program for wine shops, vintners or distributors. Business interruption insurance, crime and other key elements can also be in the bundle. Alternatively, you can create your own package of policies tailored to your particular needs. We will show you your options and give you the pros and cons of each.

We bring clarity to the world of complex risk.

We invite you to give us a call at your convenience at (888) 639-4560, or if you prefer email us or return the form on this page for a review of your insurance needs.

Since 1964, A.J. Benet has been serving businesses in New York City, Pelham Manor, Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Rye, Port Chester, Rye Brook, South Salem, Purchase, White Plains, Scarsdale, Eastchester, Bronxville, Armonk, Chappaqua, Briarcliff, Pound Ridge, Bedford, Mt. Kisco, and Katonah, New York; as well as in the Connecticut communities of Greenwich, Cos Cob, Riverside, Stamford, Darien, Rowayton, Fairfield, Westport, Southport, and New Canaan.