Types of Services

Types of Service

Silver Service or Platter-to- Plate Service: This type of service is used in fine dining restaurants and sophisticated night clubs. In this type of service the food is put into a dish and appropriately garnished by the chef. The steward then presents the dish to the guest. After the guest’s approval, the steward proceeds to serve the food from the dish onto the guest’s plate using a service spoon and fork.

American Service or Pre-Plated Service: This as the name suggests is pre-plated service wherein the food is portioned and arranged in the plate by the chef in the kitchen. The steward brings the plated food and places it on the table in front of the guest. This type of service is usually carried out in a coffee shop, where the atmosphere is informal.

Buffet Service: This type of service is used in restaurants and banquets where a large number of guests have to be catered to at one time. It is mainly self-service where a variety of dishes are displayed on a large table and there are only a few service staff stationed behind the table in order to assist the guest, if needed. The guest helps himself to a plate and cutlery which is placed at one end of the buffet table. The guest then proceeds to help himself to the food or requests the service staff to assist him. The guest then returns to his table to sit down and eat.

English Service: In this form of service the food is brought from the kitchen in dishes by the steward and presented to the host for his approval. After the approval is obtained the steward places the dishes on the table. The host then portions out the food and serves it to his guests.

French Service: This service involves minimal use of the steward’s skills. The steward brings the food in dishes from the kitchen and places the dishes on the table. He then places the plates on the table next to the dishes. The guests then proceed to help themselves.

Grill Room Service: This form of service calls for the food, mainly meats and poultry, to be grilled in front of the guest. The meats or poultry are displayed and grilled behind a glass partition, so that the guest can select his choice of cut and watch it being cooked. The food is then pre-plated from the kitchen and sent to the guest.

Room Service: This is a unique type of service where a guest places his order for food and beverage, on the telephone. The steward/waiter then delivers the food to the guest in his room and ensures that the guest settles the bill. No actual service of food and beverage is done by the steward/waiter unless requested for by the guest.

Gueridon Service: This is a service where a single dish or a complete meal is cooked at the guest’s table in the restaurant. Generally, the dish is partially cooked in the kitchen and the process is completed at the table. The cooking is done on a Gueridon trolley which is a mobile trolley with a portable gas cylinder, gas burner and other essential equipment. The steward exhibits a lot of showmanship and dexterity, as he has to carve, flambé and prepare food in the presence of all the guests in the restaurant.

Snack-bar Service or Counter Service: In this service, tall stools are placed at a counter, and covers are laid on the counter, so that guests can eat their food at the counter itself. The guest can choose from food items listed on the menu card.

Cafeteria Service: All hotels have cafeterias for staff where this type of food service is carried out. The food is displayed behind the counter. The staff member indicates his choice to the counter attendant. The food is then served pre-plated and the cutlery is handed over to the staff. The staff may then sit at the tables provided for eating.

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Misen

‘Mise-en-place’ means ‘putting in place’ and the term is attributed to the preparation of the restaurant for ultimate smooth service. To ensure that the restaurant is ready for service, the waiter makes sure that his station has been efficiently prepared for service. A ‘station’ is a section of a restaurant which comprises of a given number of tables which are attended to by a specific team of stewards/waiters. A ‘station’ is headed by a ‘Captain’.

‘Mise-en-scene’ commonly refers to preparing the environment of the restaurant in order to make it pleasant, comfortable, safe and hygienic. Before each service session, the restaurant should be made presentable enough to accept guests.

Meal & Menu Planing

MEALS & MENU PLANNING

MENU

Introduction
Menu is the statement of food and beverage items available or provided by food establishments primarily based on consumer demand and designed to achieve organizational objectives. It represents the focal point around which components of food service systems are based. The menu is designed carefully what the outlet wants to cater for, keeping in mind the type of clientele. The main advantage of a well-planned menu is that it leads to consumer satisfaction. It also helps to motivate the employees for a responsible and successful service

A. Origin of Menu
Originally the "bill of fare", as it is termed in English, or menu in French, was not presented at the table. The banquet consisted of only two courses, each made up of a variety of dishes, anything from 10 to 40 in number. The first 10-40 dishes were placed on the table before the diners entered- hence the word entrée- and, when consumed were removed or relieved by 10-40 other dishes- hence the words relevés and removes came into existence.

B. Objectives of Menu Planning
The aim of menu planning is to:
1. Meet nutritional needs -- ““Recognition that food is treatment”-- part of medical therapy
2.Plan meals within the food cost
3.Simplify purchase, preparation, and storage of meals
4.Provide attractive, appetizing meals with no monotony
5. Save time and money
6.Minimize overhead expenditure, i.e., fuel, electricity, water, labor.
7.Meet//exceed customer expectations
8.Determine production methods and distribution systems
9.Dictate staffing levels
10.Provide quality,, standardization & predictability
Menu planning is the most important aspect of planning and organization in the food industry. It is an advance plan of a dietary pattern over a given period of time.

MENU PLANNING

INTRODUCTION
Menu planning is one of the important managerial activities of food and beverages operations executed by a team comprising the entrepreneur/proprietor, the restaurant manager, and the executive chef. In a large hotel, the general manager and the food and beverage (F&B) manager will also be members of the team. In welfare catering operations, the head of the institution, the catering manager, and the finance manager will be involved. Menu planning calls for careful thought on many factors that would determine the success of the F&B operation. Menu forms the basis or acts as a guide upon which all other managerial and operational activities of F&B operations rest on.

POINTS OR FACTORS TO BE CONSIDERED WHILE PLANNING THE MENU

Whether it is for new outlets or existing outlets, points related to the following aspects should be considered by the team while planning the menu:
1. Operations hour
The team must consider policy on operation hours of the business while planning menu. If it is operating throughout the day from morning 7 to night I l, then all dishes required during breakfast, mid morning, lunch, evening snacks, dinner, and so on, should be included. If it is going to be operational only during lunch and dinner, then the menu should be planned accordingly. During lunch hour operations, guests expect quick service or business/executive lunch, which should be taken into account.
2. What to serve
The policy of the management may not permit the inclusion of beef, pork or any of the non. vegetarian dishes, genetically modified food, and so on. Dishes included in menu should be the framework of the establishment's policy.
3. Production process
The type of production process the business is going to implement, such as traditional partie system centralized production, cook-chill, cook-freeze, and sous-vide, and so on, should be taken into account while planning the menu.
4. Use of convenience products
Convenience products of many categories, from ones requiring some amount of final preparation in the kitchen to ready-to-eat forms, are available in the market. The team must consider policy on usage of convenience products.
5. Style of service
Menu should be planned taking into account the style of service to be implemented. For example, buffet, silver, American, tray service, takeaway, and so on.
6. Type of menu
The type of menu to be implemented in operations should be borne in mind while planning the menu. The la carte menu will offer extensive choice under each category and table d'hôte menu will have a set number of courses with a limited choice at set price.

C. Types of Menu
The menu are basically of two types:-
 À la carte
 Table d'hôte
À la Carte menu
The term à la carte may be translated as 'from the card'. This type of menu may be defined by the following points:
 It gives a full list of all the dishes that may be prepared by the establishment
 Each dish is priced separately
 A certain waiting time has to be allowed for many of the dishes
 Some dishes are cooked to order
This type of menu may be offered on its own in a first-class establishment, or in conjunction with a form of table d'hôte or carte du jour menu in a smaller catering establishment. The dishes may be changed according to season- oysters, melon, asparagus, game- but each item will remain individually priced.
Table d'hôte
The definition of table d'hôte menu is covered by the following points:
 The menu has fixed number of courses
 There is a limited choice within each course
 The selling price of the menu is fixed
 The dishes provided will all be ready at a set time
This type of menu may be offered by itself or in conjunction with an à la carte or carte du jour menu. It is the more popular and simpler form of menu, being easier to control and operate and giving less wastage of food. The set price of the table d'hôte menu is charged whether or not the full menu is consumed.

D. Courses of French Classic Menu

The number of courses on a menu, and dishes within each course, depends on the size and class of the establishment. In an establishment where full food preparation and service brigades are in full operation a full menu may be offered. In this case the courses or sections of the menu may be divided as follows:
1. Hors-d'oeuvre
2. Potage (Soup)
3. Ouefs (Egg)
4. Farineux (Rice and Pasta)
5. Poisson (Fish)
6. Entrée
7. Sorbet
8. Relevé
9. Rôti (Roast)
10. Légumes (Vegetables)
11. Salades (Salads)
12. Buffet Froid (Cold Buffet)
13. Entremet (Sweet)
14. Savoureux (Savoury)
15. Fromage (Cheese)
16. Dessert (Fresh Fruit)
17. Beverages

MEALS & MENU PLANNING
MENU
Introduction
Menu is the statement of food and beverage items available or provided by food establishments primarily based on consumer demand and designed to achieve organizational objectives. It represents the focal point around which components of food service systems are based. The menu is designed carefully what the outlet wants to cater for, keeping in mind the type of clientele. The main advantage of a well-planned menu is that it leads to consumer satisfaction. It also helps to motivate the employees for a responsible and successful service

A. Origin of Menu
Originally the "bill of fare", as it is termed in English, or menu in French, was not presented at the table. The banquet consisted of only two courses, each made up of a variety of dishes, anything from 10 to 40 in number. The first 10-40 dishes were placed on the table before the diners entered- hence the word entrée- and, when consumed were removed or relieved by 10-40 other dishes- hence the words relevés and removes came into existence.

B. Objectives of Menu Planning
The aim of menu planning is to:
1. Meet nutritional needs -- ““Recognition that food is treatment”-- part of medical therapy
2.Plan meals within the food cost
3.Simplify purchase, preparation, and storage of meals
4.Provide attractive, appetizing meals with no monotony
5. Save time and money
6.Minimize overhead expenditure, i.e., fuel, electricity, water, labor.
7.Meet//exceed customer expectations
8.Determine production methods and distribution systems
9.Dictate staffing levels
10.Provide quality,, standardization & predictability
Menu planning is the most important aspect of planning and organization in the food industry. It is an advance plan of a dietary pattern over a given period of time.

MENU PLANNING

INTRODUCTION
Menu planning is one of the important managerial activities of food and beverages operations executed by a team comprising the entrepreneur/proprietor, the restaurant manager, and the executive chef. In a large hotel, the general manager and the food and beverage (F&B) manager will also be members of the team. In welfare catering operations, the head of the institution, the catering manager, and the finance manager will be involved. Menu planning calls for careful thought on many factors that would determine the success of the F&B operation. Menu forms the basis or acts as a guide upon which all other managerial and operational activities of F&B operations rest on.

POINTS OR FACTORS TO BE CONSIDERED WHILE PLANNING THE MENU

Whether it is for new outlets or existing outlets, points related to the following aspects should be considered by the team while planning the menu:

1. Operations hour
The team must consider policy on operation hours of the business while planning menu. If it is operating throughout the day from morning 7 to night I l, then all dishes required during breakfast, mid morning, lunch, evening snacks, dinner, and so on, should be included. If it is going to be operational only during lunch and dinner, then the menu should be planned accordingly. During lunch hour operations, guests expect quick service or business/executive lunch, which should be taken into account.

2. What to serve
The policy of the management may not permit the inclusion of beef, pork or any of the non. vegetarian dishes, genetically modified food, and so on. Dishes included in menu should be the framework of the establishment's policy.

3. Production process
The type of production process the business is going to implement, such as traditional partie system centralized production, cook-chill, cook-freeze, and sous-vide, and so on, should be taken into account while planning the menu.

4. Use of convenience products
Convenience products of many categories, from ones requiring some amount of final preparation in the kitchen to ready-to-eat forms, are available in the market. The team must consider policy on usage of convenience products.

5. Style of service
Menu should be planned taking into account the style of service to be implemented. For example, buffet, silver, American, tray service, takeaway, and so on.

6. Type of menu
The type of menu to be implemented in operations should be borne in mind while planning the menu. The la carte menu will offer extensive choice under each category and table d'hôte menu will have a set number of courses with a limited choice at set price.

C. Types of Menu
The menu are basically of two types:-
 À la carte
 Table d'hôte
À la Carte menu
The term à la carte may be translated as 'from the card'. This type of menu may be defined by the following points:
 It gives a full list of all the dishes that may be prepared by the establishment
 Each dish is priced separately
 A certain waiting time has to be allowed for many of the dishes
 Some dishes are cooked to order
This type of menu may be offered on its own in a first-class establishment, or in conjunction with a form of table d'hôte or carte du jour menu in a smaller catering establishment. The dishes may be changed according to season- oysters, melon, asparagus, game- but each item will remain individually priced.
Table d'hôte
The definition of table d'hôte menu is covered by the following points:
 The menu has fixed number of courses
 There is a limited choice within each course
 The selling price of the menu is fixed
 The dishes provided will all be ready at a set time
This type of menu may be offered by itself or in conjunction with an à la carte or carte du jour menu. It is the more popular and simpler form of menu, being easier to control and operate and giving less wastage of food. The set price of the table d'hôte menu is charged whether or not the full menu is consumed.

D. Courses of French Classic Menu
The number of courses on a menu, and dishes within each course, depends on the size and class of the establishment. In an establishment where full food preparation and service brigades are in full operation a full menu may be offered. In this case the courses or sections of the menu may be divided as follows:
1. Hors-d'oeuvre
2. Potage (Soup)
3. Ouefs (Egg)
4. Farineux (Rice and Pasta)
5. Poisson (Fish)
6. Entrée
7. Sorbet
8. Relevé
9. Rôti (Roast)
10. Légumes (Vegetables)
11. Salades (Salads)
12. Buffet Froid (Cold Buffet)
13. Entremet (Sweet)
14. Savoureux (Savoury)
15. Fromage (Cheese)
16. Dessert (Fresh Fruit)
17. Beverages

F. TYPES OF MEALS

Food and beverage service is about serving the customers when they are hungry. However F&B outlets offer a typical variety of food depending on customers demand, type of operation, location etc. The most important meals of the day are:
(i) Early morning tea [EMT]: Most often these orders are placed with the room service and it consists of a choice of tea and coffee served with cookies or biscuits. Service is expected to be fast and timing of this meal is from 4.am to 6.am in the morning.
(ii) Breakfast: Breakfast, Elevenses, High tea and Supper are considered the subsidiary meals of the day. Whereas Lunch and Dinner are the two main meals. Although light (lite), the smaller meals fulfill nutritional requirements of and when required if properly planned, divide the day into even food breaks. Breakfast is considered as one of the most important meal nutritionally.
(iii) Brunch or elevenses: The word 'brunch' comes from a combination of lunch and breakfast. It refers to a heavy meal eaten around 11 am by guests who wish to skip lunch or those who hate missed breakfast. Today brunch has become very popular in coffee shops and multi-cuisine restaurants, especially marketed extensively on these days.
(iv) Lunch and Dinner: These are main meals of the day. All F&B outlets cater to these meals. The variety of service differs from buffet and pre-plated in coffee shops, silver service in multi-cuisine restaurants.
Food and beverage service is about serving the customers when they are hungry. However F&B outlets offer a typical variety of food depending on customers demand, type of operation, location etc. The most important meals of the day are:
(i) Early morning tea [EMT]: Most often these orders are placed with the room service and it consists of a choice of tea and coffee served with cookies or biscuits. Service is expected to be fast and timing of this meal is from 4.am to 6.am in the morning.
(ii) Breakfast: Breakfast, Elevenses, High tea and Supper are considered the subsidiary meals of the day. Whereas Lunch and Dinner are the two main meals. Although light (lite), the smaller meals fulfill nutritional requirements of and when required if properly planned, divide the day into even food breaks. Breakfast is considered as one of the most important meal nutritionally.
(iii) Brunch or elevenses: The word 'brunch' comes from a combination of lunch and breakfast. It refers to a heavy meal eaten around 11 am by guests who wish to skip lunch or those who hate missed breakfast. Today brunch has become very popular in coffee shops and multi-cuisine restaurants, especially marketed extensively on these days.
(iv) Lunch and Dinner: These are main meals of the day. All F&B outlets cater to these meals. The variety of service differs from buffet and pre-plated in coffee shops, silver service in multi-cuisine restaurants.

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Rohan Matmary wins Glenfiddich’s World’s Most Experimental bartender India title

Rohan Matmary from Bangalore bagged World’s Most Experimental Bartender 2018 title at the India leg of the compettion organised by Glenfiddich, world’s most awarded single malt Scotch Whisky. Matmary was paired with famous musician, Sonam Kalra at the competition and was selected as the India winners by the jury comprising  Mandira Bedi, Zorawar Kalra, Gaurav Gupta, Thukral and Tagra, Nikhil Arora, James Pennefather and Vikram Aditya. 

The wining duo will now go on to compete against other market winners on a trip to the Glenfiddich Experimental Bartender Academy in Scotland, where they will have the opportunity to bring their concept to life. The winner will be awarded with the title of ‘The World’s Most Experimental Bartender’ and Glenfiddich will, thereafter work with the winning duo throughout 2018 to showcase their creativity globally and bring it to life for on-trade. 

Six finalists were paired with eminent figures from different industries and walks of life at the competition. 

The winning cocktail created by winning pair was titled ‘Zarra’, an Urdu word meaning ‘particle’. Zarra starts with the award winning Glenfiddich 12-year-old, infused with cranberry, tiny tangerines, egg white and sage infusion, hibiscus, and rhubarb which resonated well with the fruity and floral notes of the Glenfiddich 12-year-old single malt whisky. Rohan mixed these seemingly disparate elements together, just as Sonam harmoniously blended beautiful melodies with poetry at the competition.

 Commenting on the awards, Angad Singh Gandhi, Brand Ambassador, Glenfiddich India said, “Glenfiddich has always been at the forefront of innovation, and through this unique pairing of bartenders and collaborators, we once again established ourselves as an ignition platform for creative expression. The experience created by Rohan Matmary and Sonam Kalra was truly experimental as it perfectly brought out the best of both the creative individuals. We wish them all the very best as they set out to compete for the global title.”

Source: hospitalitybizindia.com

Glenmorangie launches maiden single malt whisky fully matured in American ex-rye whiskey casks

Glenmorangie Spìos, Glenmorangie’s first single malt whisky fully matured in American ex-rye whiskey casks has been revealed as the ninth release in the Highland Distillery’s Private Edition series. With its uniquely savoury and full-bodied character, Glenmorangie Spìos is ideally known to recount the glittering heyday of American rye whiskey. 

In the late 1990s, as Dr Bill Lumsden, Glenmorangie’s Director of Distilling, Whisky Creation & Whisky Stocks, travelled to the U.S., the rare cinnamon and clove notes of this scarce whiskey caught his imagination.  To make Glenmorangie Spìos, he sourced the finest first-fill casks from American rye whiskey’s heartland of Kentucky. 

Dr Lumsden said, “I have always loved American rye whiskey’s spicy character, and I believed our Distillery’s smooth house style would perfectly complement the nuances of ex-rye casks.  The result is Glenmorangie Spìos – a full-bodied, savoury single malt whisky which brings to mind American rye whiskey’s golden age.  Its fresh, herbal nose hints at cherry, clove and scents of green grass.  Then rye’s spice bursts on to the palate, as toffee, clove and cinnamon mingle with buttery vanilla, before a sweet and lingering finish.  I hope connoisseurs and collectors will enjoy this latest innovative release in our Private Edition – a single malt whisky which is unmistakeably Glenmorangie, yet exquisitely different.” 

Source: Hozpitality Biz India

Taj Mansingh Hotel auction flops, Indian Hotels Company sole bidder

A Business Standard report read that the New Delhi Municipal Council’s ambitious plan to auction the Taj Mansingh Hotel has almost drawn a blank, with only Tata Group-owned Indian Hotels Company (IHCL), the current operator, bidding for the property. The NDMC will now have to conduct a fresh round of auction for the luxury hotel, thereby delaying the process by at least several months.

Thursday was the last day for submission of bids for the Taj Mansingh as well as two other hotels in the capital —the Connaught and Hotel Asian International — built on NDMC land. In contrast to the Taj, the two lesser-known hotels have got three bidders each, allowing the auction process to move forward.

A new auction date will be decided for the Taj Mansingh (as the hotel is widely known, based on its Mansingh Road address), an official said. The tender rules said the bid process would be annulled in case there were less than three bidders. An official at the NDMC who is part of the tender process did not respond to calls. SBI Capital Markets is the transaction advisor to the auction.

Surinder Singh, an AAP legislator from Delhi and an NDMC member, said the current auction process of the Taj Mansingh was no less than a ‘’conspiracy’’. He told that the next tender should be done properly to attract more bidders.

The cold response from the hotel industry was unexpected, especially at a time when the sector is seeing an uptrend. Representatives of hotel companies said they were not enthused with the financial terms and certain conditions of the tender. In spite of a relaxation in certain conditions in the second tender floated by the NDMC in April, a number of hotel companies failed to qualify. Some said the responses to queries raised by prospective bidders in a pre-bid meeting were not satisfactorily answered.

One of the conditions that put off companies was that if a bidder failed to meet the eligibility conditions specified in the tender documents, the security amount (INR 250 million) was to be kept by the NDMC as ‘liquidity damages’. The first tender was floated by the NDMC in December last year and the auction was supposed to be held on January 30, 2018.

This date was postponed multiple times after prospective bidders raised several queries and finally the tender lapsed. Companies said the tender conditions were too ‘restrictive’. The first tender did not allow a cross-holding of five per cent or more between two bidders. It said a bidder must own assets as well as a brand which is not the usual practice in the hotel industry. These were relaxed in the second tender.

Some companies also said the financial demands of NDMC from the winner was on the higher side. It did not change in the second tender. The next operator of this property will have to assure a minimum revenue share of 17.25% and a minimum guarantee fee of Rs 29.64 million per month, with a clause for escalation, according to current terms. There is also an upfront non-refundable fee of INR 533 mn. NDMC is seeking a performance security of INR 355 mn as well. The lease period for the property was kept at 33 years, the same duration awarded to IHCL over four decades ago, in 1976.

An expert specialising in hotel industry related transactions said that the auction process of Taj Mansingh was being conducted with a ‘landlord’ attitude. “There is no rent free period for the winner. The winning firm will have to start paying money to NDMC from day one even though the actual hotel operation and income may take multiple months to begin”, he said. The hotel needs a complete renovation and it may take more than a year during which the regular guests of Taj Mansingh would have to be shifted to other hotels, said an industry executive. “You cannot re-open it and expect a tariff of INR 10,000 per room from first month.’’

(Source: Business Standard)

The types of Insurance a Winery needs and claiming a successful business

Owning and operating a winery is complex and demanding. Wineries face just about every business risk imaginable as they grow grapes, blend wines, and sell their products in a variety of ways. Winery owners must manage everything from growing and harvesting delicate crops to the financial and legal implications of getting their wines to market. You likely need several business insurance policies and numerous special endorsements in order to be covered by a comprehensive winery insurance program.
It is best to enlist the help of a trusted advisor or a Lawyer, such as an independent Trusted Choice insurance agent, who can help you identify and find coverage for all of your complex risks.


A winery may be a family business passed down for generations, or a new venture that you’ve been dreaming of your entire life. Wineries and vineyards are complicated businesses with vast rewards and no shortage of risks. You wear many hats in order to run your business—from farmer, to scientist, to marketer, and many more—yet so many things are simply out of your control.
Leaving the future of your winery to chance could be devastating. You need winery insurance to protect you from the financial losses that can accompany damaged crops, spoiled wine, lawsuits, and other unforeseen events that can cost you everything.
Even a small winery must insure every step of the winemaking process. As you grow, harvest, ferment, bottle, and sell your wines, one unexpected problem can destroy your thriving business overnight.

There are so many risks which are associated with a winery operations
These are just a few of the things that can go wrong at your winery or vineyard:
• Loans, Mortgages, Legal/Lawyer issues
. Guests on your property or at an event slip and fall
• Guests at your winery damage or destroy grapes, finished wine, or equipment
• Grapes in transit are crushed
• Leakage, spillage, or accidental mixing destroys wine in process
• Insecticides used on grape crops drift on to neighboring properties
• Contamination and product recalls
• Winemaking equipment or agricultural equipment breakdown
• Extreme weather or natural disasters
• Wildfires, insect infestation, and plant diseases
Wine that is in storage comes with its own set of risks, including:
• Spillage or leakage
• Fire
• Theft or vandalism
• Utility or refrigeration outages
• Supply chain or logistics problems or delays
• Transportation and trucking exposures, from poorly trained drivers to accidents and truck refrigeration breakdown
Wineries Need Coverage For Every Area of Their Business so as to claim back and recover.
Every winery needs a customized package of property, liability, automobile, crime, liquor liability, and other winery insurance policies to protect them from financial loss. Talk to your independent insurance agent about the specifics of your winery operation, and your need for the following types of winery insurance or vineyard insurance.
Property coverage for wineries: Wineries need business property coverage to protect
• Buildings and their contents, including wine-making machinery and equipment
• Inventory and stock
• Business interruption coverage to pay for ongoing expenses after a covered property loss
You can add endorsements to your winery property insurance policy in order to add more customized coverage. Talk to your independent insurance agent about your need for the following special property coverage designed for wineries.
• Contract cancellation coverage that helps you pay for attorney fees, marketing expenses, and other related costs if you are unable to fulfill customer contracts (e.g., you cannot fill orders due to a supply shortage).
• Tank collapse coverage pays for expenses related to processing water after a tank collapse.
• Tank leakage coverage provides protection for leakage of completed or in-process wine from a tank or other container.
• Mobile equipment coverage pays for damage to agricultural equipment (irrigation and harvesting equipment, etc.).
Crop insurance for wineries: Without viable grapes, you would be unable to produce wine, so protecting your grape harvest should be your first line of defense. Wineries need crop insurance for the costs of crop damage due to weather, vine infections, insect infestations, fires, floods, and other potential hazards. Crop insurance will not protect your grapes once they have been harvested, and certain perils such as earthquakes may be excluded from your crop insurance policy. You may need to purchase additional earthquake coverage if you live in an area where it is necessary.
Coverage for wine in storage or in transit: Once your grapes have been harvested and your wines blended, you must take steps to ensure that your valuable product is protected no matter where it is. You may need different policies for wine that is stored on your property and wine that is stored offsite. Your agent can help you determine all of the coverage that you need.
Wine that is in transit also needs coverage for physical loss or damage. Inland marine insurance for wineries protects against direct physical loss or damage to property or stock while it is being transported.
General liability insurance for wineries: General liability insurance provides broad protection for third-party bodily injury and property damage claims. If a guest slips and falls during a vineyard tour, or your wine causes a customer to become ill, your general liability policy pays for direct costs (medical bills, etc.) as well as attorney fees, court costs, settlements, and judgments if you are sued.
General liability insurance also provides claim coverage for product liability, advertising liability, slander, and libel claims against your winery.
Equipment breakdown coverage for wineries: Wineries need equipment breakdown coverage to protect against costs associated with the sudden and accidental breakdown of machinery and equipment. It pays to repair or replace the equipment as well as any business interruption costs that accompany it.
Contamination and spoilage coverage for wineries: Wineries need special coverage for product losses due to contamination. Contamination and spoilage coverage pays for certain losses if a batch of wine is spoiled or contaminated due to a refrigeration breakdown, utility interruption, or some other type of foreign substance.
Liquor liability coverage for wineries: Any establishment that sells, services, or furnishes alcoholic beverages needs liquor liability insurance for instances of bodily injury and property damage that result from selling or serving alcohol.


Operations at a winery often extend far beyond growing grapes and making wine. Many wineries or vineyards invite the general public onto their grounds for tours, tasting, and other special events. You may run a year-round tasting room, host special tasting events, and even allow others to rent space on your premises for parties, weddings, dinners, and other events.
Inviting the general public onto your premises to consume wine and food and engage in other activities heightens the risks for your business. And many of these events require other businesses and vendors to perform services on your premises as well. An event might require a caterer, musicians, a florist, and even additional workers that may or may not be employed by you.
If you host even small events at your vineyard or winery, you need to work closely with your independent insurance agent to ensure that all of the additional exposures are addressed with tailored winery insurance policies. What’s more, your customers and any vendors that they work with also need to have appropriate insurance (and show proof of coverage) in order to proceed with an event on your property.
Other Winery Insurance to Consider
Aside from major property and liability risks, wineries and vineyards likely need several other insurance policies to protect them from financial harm and unexpected events. Talk to your Trusted Choice agent about your need for the following.
• Commercial auto insurance protects your fleet of trucks and any other vehicles owned by your winery. In addition, if employees drive personal vehicles for business use, you need hired and non-owned auto liability insurance.
• Crime coverage protects your business if an employee or a group of employees engage in theft, forgery, or fraud that damages your business.
• Workers’ compensation insurance is required for any business that has employees. It protects your workers, such as those who use operate heavy equipment or who harvest grapes in the vineyard, from the costs of work-related injuries and illnesses.
• Cyber liability insurance protects your winery if you are the victim of a cyber breach. If your computer network or website is hacked and confidential customer or vendor information is exposed, the damage to your reputation and bottom line can be insurmountable.
• Some insurance companies offer a special policy for wineries called chemical drift insurance or pollution liability insurance. If you spray insecticides or other chemicals to protect your crops, those insecticides can drift onto neighboring properties and cause property damage or health problems for others. Chemical drift coverage can offer protection for physical injuries to people, crops, or animals as a result of chemical drift or overspray from your vineyard.
• Product recall coverage helps pay for costs related to removing recalled, damaged, or dangerous products from the marketplace.
• Employment practices liability coverage protects you if a current or former employee sues you for discriminatory employment practices.
How to Find Winery Insurance Tailored to Your Business
Like any business owner, you might have unpaid loans, winery and vineyard owners need a trusted advisor who can help them find the best insurance coverage to protect their livelihood from the many potential—and costly—problems that can arise. Whether it is dangers to the general public or your employees, or unforeseen events like fires, storms, and theft, you need the right combination of coverage that addresses whatever you might be exposed to.
An independent insurance agent will get to know you and your business. He or she can work with multiple reputable companies who specialize in winery insurance. Contact a local agent today to get started.