Overview of our wine industry insurance program.

1. Winery & Vineyard Program Overview

2. Business Insurance Employee Benefits Personal Insurance
Complete, comprehensive Comprehensive benefits Our dedicated personal
business coverage for the services, including health, insurance staff can help you
wine industry. Whether dental, vision, retirement and save time and money on your
you’re a sole proprietorship estate programs – all homeowner’s insurance, auto
or a large corporation. designed to help you retain policies and more
your employees

3. Business Insurance
• Employment Practices • Fine Arts
• Property • Care, Custody & Control – Policy
Limits
• General Liability
• Farm Pollution Clean-Up
• Product Recall Expense
• Damage during Production
• Change in Temperature
• Brands & Labels
• Wine Contamination
• Trellis & Vines
• Borrowed or Rented Ag
Equipment
• Chemical Drift

4. Agency Services
• Coverage Summary • Experience Modification
Projection
• Policy Schedule
• Loss Control & Safety
• Premium Breakdown
• Account Marketing
• Statement of Values
• Contract Review
• Coverage Checklist
• Certificate Processing
• Claims Management
• Social Networking Services
• Unit Statistical Claims
Review • On-Site Safety & Human
Resource Services

5. Some of Our Carrier Relationships…
• Fireman’s Fund Insurance • Lloyds of London Specialty
Company Property Division
• Fairmont Specialty • S.N. Potter Insurance Company
(exclusive Sonoma County
• Nationwide Agriculture
Agent)
• Sequoia Insurance Company
• Zenith Insurance Company
• Unigard Insurance Company
• Hanover Insurance Company
• Liberty Mutual
• Traveler’s Insurance Company

6. VineComp
Workers’ Compensation Services
• In-house Workers’ Compensation • Review of Loss Runs and Open
Claims Administrator Claims
Ensuring that claims are resolved
• Claims Review & Management appropriately and closed in a timely
Regularly scheduled employer meetings to manner
review outstanding claims
• Quarterly Follow-up (or as-
needed)
For problem claims with insurance claims
adjusters
• Experience Modification
Projection
In-depth client meeting, six months prior to
policy renewal, to review all data that will
be included in the upcoming experience
modification factor

7. Safety & Human Resource Services
• In-house Human Resource & Safety • Job Description
Administrator Development
• Development of Injury and Illness Prevention • Hiring / Termination
Plan (IIPP) Policies Review
• Development of Safety Incentive
Programs, General Safety Programs and
Employee Handbook
• Sexual Harassment Training for Supervisors
and Managers
Required by AB 1825 for employers with over 50 employees
• Work Injury Risk Audit
• Federal and Cal/OSHA Compliance

8. Online Risk Management Center
• Exclusive provider of GP Track, • Online platform to help develop
our online risk management center risk mitigation and manage
safety needs
• Comprehensive library of safety,
risk management and human
resource materials
• Software applications that
automate many of the training,
record keeping and reporting
tasks required for compliance

9. Employee Benefits
• Medical • Non-Qualified
Deferred
• Dental Compensation
• Vision • Retirement 401(k)
• Long-Term and • Employee Assistance
Short-Term Programs
Disability
• Health Savings
• Long-Term Care Accounts
• Voluntary Benefits • Key Person
• Life
• Supplemental Life

10. Personal Insurance
• Life • Boat and Watercraft
• Individual • Motorcycle
Disability
• Recreational Vehicles
• Individual Long-
Term Care • Mobile Homes
• Auto • High-Value Homes
• Homeowner’s • Youthful and Elderly
Drivers
• Umbrella Policies
• Flood
• Earthquake