Page 17 - Grapevine May-June 2019

In The Winery

broad age range. Have you crawled through your vide a great experience for your guest. Try to cre-
facility lately? What may be obvious to an edu- ate events that will have a positive marketing buzz
cated adult, may not be as clear to a child. Locks and will also increase your income while minimizing
and barriers are better than signs alone. Have staff your exposures to loss.
training to look for hazards and anticipate a lack of
parental supervision. Most wineries are not suit- The information provided in this article is intend-
able as a daycare operation and should not have ed for general informational purposes only and
any childcare exposures. should not be considered as all encompassing, or
suitable for all situations, conditions, and environ-
Miscellaneous Exposures ments.

Evening Events: As a general rule of thumb, lia- Please contact us or your insurance professional if
bility goes up when the sun goes down. For many you have any questions. Products and services are
reasons, whether it be the time element of con- offered through Markel Specialty, a business divi-
suming more alcohol or just the visual difficulties to sion of Markel Service Incorporated (national pro-
recognize hazards, losses are more likely as events ducer number 27585). Policies are written by one
run into the evening hours. Having events that are or more Markel insurance companies. Terms and
shut down by 10:00pm would be considered a good conditions for rate and coverage may vary.
practice and depending on your coverage carrier,
may be a requirement. For More Information Please Call Us At...
800-814-6773
Cyber Security: Cyber / data breach coverage can
include storing the credit card information for your Or Visit Our Website:
club members, but can also apply to online pur- markelinsurance.com/winery
chases and any ticket sales for events.

Private Events: When dealing with a special pri-
vate event such as a Wedding or private party,
clear contracts are the key. The greatest frustra-
tions come for unmet expectations. Make sure
all parties know what is being provided and what
the expectations are for contracts, payment, time-
frames or services.

Real-life Claim Example: A facility that was not
closed to the general public during a wedding
event. There was no clear detail on a separation of
the wedding party areas vs the public access tasting
room area. In a clash of Party vs Public, tempers
rose, words were cast and a white wedding dress is
now a shade of cabernet.

Conclusion

This checklist is not all inclusive for all the unique
elements to all event types. The checklist should
be a starting point for your facility. Before hosting
more events at your facility, review what type of
events will be the best fit for your situation to pro-

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