Wine & Spirits Insurance

Like a work of art or a piece of fine jewellery, a fine bottle of wine or spirits can be a treasure, with special memories and unique stories.

With our broad coverage and unparalleled service, you can trust Chubb to help protect the very special things you’ve acquired over the years.

— Individualized coverage

We offer flexible, worldwide coverage options to meet your unique needs and cover most causes of loss with no deductible.

— Automatic coverage for new items

If you already have itemized jewellery, fine art, wine or other collectibles, newly acquired items are covered for up to 90 days (25% of the itemized coverage).*

— Paying market value

In certain cases, we’ll pay up to 150 percent of the amount itemized on your policy to account for increases in market value when you choose to replace your lost item.

— Agreed value feature

We’ll work with you upfront to determine the value of your items. Then, for covered total losses, we’ll make sure you’ll get 100% of the agreed value as a cash settlement.

— Blanket or Scheduled Items

Protect an entire collection with blanket coverage, itemize your individual bottles, or do both. It's up to you.

— Coverage for Mechanical Breakdown

We provide coverage for wine which has been damaged due to loss of utility service or mechanical breakdown of climate control equipment.

*Newly acquired coverage does not apply to wine.

Disclaimer: This information is descriptive only. All products may not be available in all provinces and territories. Coverage is subject to the language of the policies as issued.