Mad Men may have made alcohol in the workplace look normal, but most people tend to see a drink only at the end of the day. Each business comes with its own dangers, and winery owners need to take into account the specifics. For those who purchase workers' compensation for their winery, there are a number of circumstances to consider.
See Wineries Workers Compensation (Class Code 2142) for more on class-specific coverage and how carriers often classify vineyard and winery operations.
Glamor and Hazards
Few things seem more glamorous than a winery: well-dressed guests, tasting rooms and carefully described flavor notes. That perception can make it easy to overlook day-to-day risks.
Staff in tasting rooms need dry floors to prevent slips, clean spit buckets during tastings, and the training to cut off intoxicated guests. Those front-of-house precautions help reduce accidents and customer incidents.
Wine Cellars and Barrels
Many wineries store barrels high to maximize space, which increases the risk from collapses, equipment failure, or seismic events. When barrels fall, the consequences can be serious for employees and the business.
Until specific stacking mandates exist in a jurisdiction, consider rethinking how high barrels are stacked, using secure racking, and training forklift operators to reduce risk and potential liability.
Accidents Happen
No workplace is immune to accidents. Without appropriate coverage, an employer may face claims that lead to substantial financial exposure.
Carrying complete workers' compensation and general liability policies, and choosing a carrier experienced with winery operations, helps contain fallout after an injury and supports safer return-to-work practices.
Your Costs
Costs for workers' compensation depend on your risk assessment and payroll. Carriers assign an occupational classification with a base rate tied to how you operate and whom you employ.
Understanding classifications and rate factors can start with resources like Wineries/Distilling/Vinegar Workers Compensation, and enforcing safety measures is one of the most effective ways to reduce premiums over time.
Hire carefully, train staff on safe handling and customer service, and document your safety programs to support lower rates and a stronger reputation. If you need help evaluating options, talk to an agent about policies tailored to winery risks.
Frequently Asked Questions
Does workers' compensation cover tasting-room injuries?
Yes, workers' compensation typically covers work-related injuries to employees in tasting rooms, including slips and lifting injuries, subject to the policy terms and state law.
How can I reduce workers' comp premiums for my winery?
Improve safety practices, document training, maintain incident records, and work with carriers that understand winery operations to potentially lower your rates.
Are volunteers or unpaid interns covered by workers' comp?
Coverage for volunteers and interns varies by state and by policy; check with your insurer to confirm whether they are included or require separate arrangements.