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