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Wine & Spirits Insurance
Wine & Spirits coverage highlights
We offer flexible, worldwide coverage options to meet your unique needs and cover most wine and spirits losses with no deductible.
If you already have itemized wine or spirits on your policy, your newly acquired items are covered for up to 90 days (25 percent of the itemized coverage).*
If the market value of an item before a loss exceeds the amount of coverage, we’ll pay up to 150 percent of the amount itemized for your wine or spirits on your policy to account for increases in market value.
We’ll work with you upfront to determine the value of your wine and spirits. Then, for covered total losses, we’ll make sure you get 100 percent of the agreed value as a cash settlement.
Protect an entire collection of wine and spirits with blanket coverage, itemize your individual bottles, or do both. It’s up to you.
We’ll provide coverage for wine and spirits that have been damaged due to loss of utility service or mechanical breakdown of climate control equipment.
Frequently asked questions
Whether you own a couple bottles of rare whiskey or a whole collection of fine wine, insurance for your collectibles can provide you with peace of mind, knowing that you’ll be able to replace them after a covered event. With Chubb insurance for your wine and spirits, you’re automatically covered for new purchases worldwide, you’re protected against a broad range of losses including breakage and spoilage due to mechanical breakdown, and you’ll have access to qualified experts who can share tips on how to protect your wine at home or offsite, and can refer you to the wine and spirits specialists you need.
Chubb’s expertise in underwriting, loss prevention, and claims allows us to respond to the evolving needs of our wine and spirits collector clients.
Our worldwide presence helps us better serve our clients and develop local contacts with key resources. Our specialists are available to provide referrals to wine and spirits professionals as well as services such as:
- Cellar risk assessment — To review your security controls, fire detection systems, environmental exposures using infrared technology, and inventory management program.
- Offsite wine storage assessment — To make sure the security controls, operations, and environmental conditions such as temperature, humidity, and lighting will keep your wine and spirits in top condition.
- Pre-renovation consultation — To help protect your wine and spirits collection during a home renovation or addition, including proper vibration controls, seismic bracing, and storage conditions.
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Coverage related to wine & spirits insurance
Insights and expertise
*In a few states, wine and spirit acquisitions are capped at $50,000. Please check your policy for details.
This information is descriptive only. All products may not be available in all jurisdictions. Coverage is subject to the language of the policies as issued.