Your winery is your life's work. Your family's legacy. Your community's future.

And right now, your insurance situation might be threatening all of it.

The Silent Threat

Most independent winery owners won't admit it publicly—there's an unspoken shame about struggling with insurance costs. But behind closed doors, the conversations are happening. Conversations about whether insurance premiums have become unsustainable. About whether your coverage actually protects what matters most. About whether you can afford to stay in business.

The California FAIR Plan was supposed to be the safety net. Instead, for many wineries, it's become a financial anchor.

Rising premiums. Shrinking coverage options. One-size-fits-all policies designed for the general market, not the unique risks you face every day. And then there are the real dangers—wildfires that have reshaped the entire insurance landscape, climate volatility that's becoming the new normal, and evolving business models the traditional insurance industry doesn't understand.

Independent wineries are squeezed between two impossible choices: overpay for inadequate coverage or go without protection entirely.

Your Business Deserves Better

Here's what we know: Independent wineries drive the character and innovation of American wine. They employ real people. They anchor their communities. They deserve insurance designed for their reality, not insurance designed forty years ago for someone else's.

Trucordia understands this because they built their solution with someone who's lived it—a 40-year wine industry veteran who knows that protecting independent wineries isn't just about moving premium dollars around. It's about preserving the future of wine country itself.

Coverage Designed for Today's Realities

Trucordia's Wine Industry Program isn't a marginal improvement on existing options. It's a fundamental rethinking of wine industry insurance:

• Broader coverage than the FAIR Plan baseline

• More affordable pricing than you're paying now

• Dedicated expertise from professionals who understand your vineyard, your tasting room, your wine club

• Fast, internal service so you're never dealing with bureaucratic delays when you need help

• Flexibility that recognizes wineries aren't all the same

This program was developed specifically in response to the coverage and pricing crisis your industry faces. Every term, every coverage option, every service level was designed with one question in mind: What does an independent winery actually need?

What Sets This Apart

Unlike national insurance companies that view wine as a niche category, Trucordia sees you as their core business. Unlike the FAIR Plan that applies the same approach to every winery, Trucordia's program recognizes that your risks, your assets, and your needs are specific to your operation.

And unlike generic insurance brokers, Trucordia's team actually knows wine.

Is Your Winery a Good Fit?

Not every winery will qualify for this program—Trucordia is transparent about that. But if you're currently relying on the FAIR Plan, or if you're frustrated with your current coverage situation, it's worth 15-20 minutes of conversation to find out if relief is possible.

That's all they're asking for: a brief conversation to understand your situation and determine if this program can protect the future of your winery.

Take Action

Your insurance shouldn't be a source of constant stress. It should be a trusted partner that understands your business and has your back when things go wrong.

If you're an independent winery ready to explore better options, reach out:

Chet Laws
Trucordia
chet.laws@trucordia.com
707-484-6847

Fifteen minutes could change everything.

When Trucordia set out to solve the wine industry's insurance crisis, they didn't hire an outsider. They brought in a 40-year wine industry veteran—someone who understands not just insurance, but the real challenges wineries face every day.

The result is the Trucordia Wine Industry Program: a comprehensive insurance solution developed specifically in response to the coverage and pricing issues that have plagued California wineries since the wildfire crisis.

What Makes This Program Different?

The California FAIR Plan has been the default option for many wineries facing astronomical premiums and limited coverage. But it's a one-size-fits-all solution designed for the general market, not the unique needs of wine country.

Trucordia's program changes that equation. The coverage terms and pricing have been carefully negotiated to provide:

• Broader insurance protection than what the FAIR Plan offers

• More affordable pricing than the FAIR Plan baseline

• Industry-specific expertise from professionals who understand your business

• Prompt service with all functions handled internally at Trucordia

This isn't insurance designed by people unfamiliar with vineyards, tasting rooms, and the specific risks wineries face. It's designed by someone who's spent four decades in wine.

Is Your Winery a Good Fit?

While Trucordia's program is a game-changer for many wineries, it's not a universal solution. Not every winery will qualify, and that's okay. Trucordia is transparent about this—which is actually a sign of integrity. Rather than overselling, they invest time in understanding your specific situation.

If you're interested in exploring whether the program is right for you, Trucordia is asking for just 15-20 minutes of your time. In that conversation, they'll gather the information needed to determine eligibility and discuss whether this program can deliver real value for your winery.

Why This Matters Now

Insurance has become an existential issue for many independent wineries. Rising costs, shrinking coverage options, and the limitations of the FAIR Plan have forced difficult conversations about sustainability. Some wineries are considering closing, others are scaling back operations.

But relief is here—if your winery qualifies.

Next Steps

If you're currently relying on the FAIR Plan, or if you're frustrated with your current insurance situation, it's worth having a conversation. Reach out to Chet Laws at Trucordia to learn more:

Chet Laws
Trucordia
chet.laws@trucordia.com
707-484-6847

Fifteen minutes could change your insurance picture entirely.

Insurance industry veteran Chet Laws has joined Trucordia as a sales executive, bringing more than 20 years of experience serving the wine industry.

Based in Northern California, Laws and his team will focus on supporting wineries with coverage solutions that address the evolving risks facing the industry, including ongoing property insurance challenges related to wildfire exposure.

The Trucordia companies continue to invest in capabilities within the wine space, with a focus on developing specialized solutions tailored to winery operations. For more information, contact Chet Laws at chet.laws@trucordia.com.

The wine industry has been under siege. Skyrocketing insurance costs, shrinking coverage options, and over-reliance on California's FAIR Plan have left wineries—especially independent operators—facing an impossible choice: pay unsustainable premiums or go without adequate protection.

Finally, there's a different approach.

Introducing Trucordia

Trucordia is a national insurance brokerage with over $1 billion in revenue, $8 billion+ in gross-written premiums, and more than a decade of specialized focus on the wine industry. With 1.5+ million clients served and 5,000+ employees, Trucordia brings scale, stability, and deep industry expertise to a problem that has plagued wineries for years.

But what sets them apart isn't their size—it's their commitment to solving wine's insurance crisis.

A Policy Built for Today's Realities

Trucordia has developed an exclusive, proprietary commercial insurance policy designed specifically for the wine industry. This isn't just a repackaged solution or a marginal improvement on existing options. It's a program built from the ground up to address the significant shortfalls within the California FAIR Plan and protect wineries against today's wildfire realities.

The policy is being finalized now, and Trucordia is in the final underwriting phase with their insurance company partners. This timing matters—and so does winery participation.

How Wineries Can Participate

If the FAIR Plan is currently part of your commercial insurance program, Trucordia may have a solution for you.

To complete underwriting discussions, wineries need to provide one of the following:

• A 5-year loss run/claims history report (dated within the past 90 days) plus a copy of your current summary of insurance programs, OR

• A signed No Known Loss Letter certifying no losses for the last 5 years (or your full operating history if less than 5 years)

This documentation allows insurance partners to confidently underwrite the program and determine eligibility. Trucordia is at the final stage—your participation truly matters.

What This Means for Independent Wineries

After years of being squeezed by the insurance industry, relief is finally on the horizon. This program isn't just about improving pricing (though that matters). It's about protecting the future of independent wineries with coverage designed for the real challenges they face.

The time has come where some good news can actually reach an industry that's been hit hard. Trucordia is ready to deliver it.

Ready to Explore This Solution?

If you're ready to move forward or want to learn more, reach out directly:

Chet Laws
Trucordia
chet.laws@trucordia.com
707-484-6847