. Topics Covered in this Presentation 1.Exposure Analysis for Vineyards and Wineries 2.Reviewing the “wine risk” a.Rootstock/Growing b.Harvesting, Crushing, Pressing c.Barrel and Tank Aging and Cleaning d.Blending and Fining e.Bottling and Labeling f.Storage, Shipping, Transportation g.Selling h.Consumption 1

. Topics Covered in this Presentation 2.Review of winery exposures and insurance solutions a.Buildings b.Equipment c.Stock and Merchandise d.Business Income e.Crime f.Bonds g.Liability h.Workers Compensation 2

. Exposure Analysis for Wineries and Vineyards  The challenge in analyzing and identifying exposures for the “winery and vineyard “ risk is to the understand the actual operation of the business.  The “winery risk” is an over generalized term for a business involved in the wine industry.  This could include businesses that: 3

. Exposure Analysis for Wineries and Vineyards  Own vineyards and produce crop for their own end use  Own vineyards and produce crop for sale to others for the production of wine as well as wine for their own production  Own “some” vineyards for the production of wine and purchase other varietals from other vineyards for the production of wine for themselves or others 4

. Exposure Analysis for Wineries and Vineyards  Do not own vineyards but buy crop (wine stock) from other growers for production in whole or in part for the production of wine.  Do not actually produce wine but bottle wine from other suppliers and bottle the wine under their own label  “Wineries” can vary dramatically in terms of their operation. The commonality is that the operation is involved in some aspect of either the production and/or sale of wine product. 5

. Reviewing the “Wine Risk” Grow HarvestProcess Sell “Other” Operations 6

. Reviewing the Wine Risk  Identifying the specific operation of the insured  Identifying risk for the wine industry in the broad exposures include the following sub- sets of operation: 7