Cellar and wine merchant insurance

Cellar and wine merchant insurance

Since the trade of a wine merchant involves keeping valuable bottles of wine and spirits in the store, it is necessary to take out the right insurance policies to protect the valuable stock. This is a demanding job, subject to many risks. By opting for the appropriate covers, you will be able to exercise your profession with complete peace of mind!
The profession of wine merchant

First of all, let's take stock of the wine merchant profession. The wine merchant is a professional in charge of the production of wines which takes place in several stages: vinification, assembly, conservation and bottling. Its role is to ensure the monitoring and aging of the wine. Depending on the case, the wine merchant can be a simple performer or be in charge of part of the vinification. He is the one who prepares and disinfects the cellars, who cleans the tanks and who checks the equipment. He also carries out labeling, manages stocks and assists in the marketing of products.

As part of his profession, the wine merchant is also called upon to welcome customers. He must know how to identify their needs and expectations. Its objective is to advise them and guide them in their choices while taking into account their tastes and their budget. He must know how to put the best products and new wines discovered in the spotlight. The wine merchant is also responsible for running tasting workshops and visiting the vineyards to meet the producers and place orders.
The risks to which you are exposed

Between inventory and supply management as well as compliance with regulatory obligations, accidents that may occur in the business premises, there are certain risks that you can prevent. Remember that in France, the trade in alcoholic beverages is regulated and that to operate in this market, it is mandatory to have an appropriate license.

There is also the risk of assault, because some alcoholic beverages are truly precious commodities. Grands crus tend to attract burglars and malicious people. Finally, there are also risks of loss of goods following a malfunction of the ventilation system or a storage chamber.
What insurance to take out and why?

So that you can exercise your wine cellar profession with complete peace of mind, you are strongly advised to take out the following insurance:

    Professional liability coverage to protect your civil liability in the event of damage caused to third parties in the course of professional activity.
    The property and casualty insurance company to cover damage caused by disasters like fires, water damage and natural disasters, which can also protect your inventory in the event of theft of merchandise.
    Professional legal protection to support you in the event of a dispute with a customer, employee or supplier.
    Business interruption guarantee to cover your cash flow in the event of a disaster forcing you to temporarily close the doors of your store.

In conclusion

You will understand, for good protection and to be able to practice serenely, it is essential to take out insurance contracts suited to your activity. By taking out the right insurance and guarantees, you will benefit from solid coverage in all circumstances and will be able to ensure the sustainability of your professional wine merchant activity.
Insurance for related trades

    Victims insurance
    Beer brewer insurance
    Delicatessen insurance
    Catering insurance