Running a winery in Houston, TX, has the potential to be a very profitable venture. The economy is booming, there’s a huge customer base, and you’ll have easy access to wine-growing areas. However, to make sure your venture is profitable long-term, you’ll need to buy the right wineries insurance policy bundle to protect your business. Umbrella insurance, while technically not a winery insurance policy, plays a very important role in covering your assets.

How Does Umbrella Insurance Work?

Umbrella insurance increases liability limits on your existing commercial liability insurance policy. If someone sues you for more than your policy would cover, umbrella coverage makes up for the lack. It can cover bodily injury claims, property damage claims, settlements, judgments, and your legal fees. 

Bear in mind that umbrella insurance covers the same perils that are covered by your winery’s insurance policy. Be sure to read the fine print on any policy you’re considering for your business to ensure it covers your current and future needs. If you find your current policy doesn’t provide enough protection, you can customize it by adding riders or by purchasing a new policy from a reputable agency such as Outdoor Insurance Services.

Why do You Need It?

Wineries offer costly products and services. They attract wealthy clients. As a result, even a single claim could exceed a regular liability insurance policy. For instance, if a wealthy guest who earns $20,000 a month slips on your floor after a bit too much to drink, the medical bills and lost wages claim will be pretty high. Plus, having umbrella insurance enables you to settle hefty claims quickly, before negative gossip spreads about your business and deters others from visiting your winery.

Why Work with Us?

Outdoor Insurance Services has a track record for providing Houston, TX, business owners with top-tier policy options and stellar customer service. We’re seasoned experts in the industry and can offer personalized advice to help you buy insurance that’s an ideal fit for your business. Call us to find out more about what we offer or to request price quotes.