Among the ways in which wine producers can protect their businesses against fire-related production and property losses is highly customised Stock Throughput (STP) coverage. Designed specifically for wineries, Miller’s coverage can start from the moment grapes are harvested in the vineyards, until the finished bottled wine is delivered to an insured’s customer anywhere in the world.

In addition to responding to physical loss or damage from fire and CAT perils, Miller coverage can also extend to include stock at selling price, protecting future profits. Our broad policy wording can encompass coverage for leakage, contamination and losses from temperature variation. We also offer a custom processing clause which covers errors in processing and blending, usually excluded under a traditional STP.

Here to help

To discuss the increasing wire-fire threat facing California’s wine countries, or to find out more about Miller’s customised STP coverage, please contact our specialist Andy Lee.