The Final Push: Trucordia's Proprietary Wine Insurance Program Nears Launch
If you've been following Trucordia's journey to solve the wine industry's insurance crisis, there's significant progress to report. The proprietary insurance program designed specifically for wineries is in the final stages of development—and insurance company partners are pleased with what they're seeing.
But there's one critical piece that will determine how quickly this program launches and how favorable the terms will be: your winery's loss history.
Here's the Good News
Most wineries don't have losses. This fact is proving to be a major advantage in pricing conversations with Trucordia's insurance company underwriters. In other words, your clean claims history isn't just good for you—it's good for the entire program's viability.
When underwriters see that wineries in the program have minimal loss history, it reduces their perceived risk and makes them more confident in offering competitive pricing and broader coverage. Your participation in this final phase directly impacts the program's success.
What Trucordia Needs From You
To finalize pricing and terms, Trucordia is requesting loss history documentation from wineries. The process is simple:
Option 1: You Have Loss History
Provide a 5-year loss run/claims history report (dated within the past 90 days).
Option 2: You Have No Losses (Most Wineries)
Sign a No Known Loss Letter certifying that your winery has had no losses over the past 5 years (or your full operating history if less than 5 years). Trucordia provides a simple template you can copy onto your letterhead, fill in, sign, and email back.
That's it. No complicated paperwork. No extensive documentation. Just one letter that validates what most wineries already know: they have a strong claims record.
Why This Matters Now
Trucordia's insurance company partners are using this aggregated loss data to finalize the program's pricing and coverage terms. The more complete data they receive from wineries like yours, the more confident they can be in offering competitive rates.
If you've already provided your information, thank you—and apologies for any duplicate emails. If you haven't yet, now is the time. Your participation in this final phase directly influences whether the program launches in 60 days or gets delayed.
Next Steps
Gather your loss information (or prepare to sign the No Known Loss Letter)
Email it to Chet Laws at chet.laws@trucordia.com
Watch for updates — Once the program is finalized, participants will be among the first to know and can begin meaningful conversations about coverage and pricing
Trucordia is hopeful to have the program finalized within the next 60 days. That timeline depends on receiving loss information from wineries like yours.
What Comes Next
Once the program launches, early participants will have first access to pricing discussions and the opportunity to transition away from the California FAIR Plan to a program specifically designed for wine industry needs.
This isn't just another insurance option. It's relief built by someone who understands wine—and it's coming soon.
Ready to Participate?
Contact Chet Laws at Trucordia:
Email: chet.laws@trucordia.com
Phone: 707-484-6847
Your 5-year loss history or signed No Known Loss Letter could be the final piece that brings this program to life.
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