What is your
true exposure?
Select your asset category, enter your portfolio value, and toggle your risk profile. Your projected annual exposure calculates in real time.
01 — Asset Category
02 — Estimated Portfolio Value (USD)
03 — Risk Factors1 active
Projected Annual Exposure
estimated annual loss exposure
Industry Benchmark
Industry Claim Settlement
Cellar Target
of winery losses stem from equipment breakdown — not natural disaster. Most standard policies exclude it entirely.
Avg. equipment claim
$284K
per incident, 2020–2024
Crop-to-bottle.
Every stage covered.
From bud break to bonded warehouse, Cellar policies follow the vintage — not the calendar year. CFOs model exposure across the entire production cycle, not just the bottled inventory.
Coverage Gap Analysis — Standard Commercial vs. Cellar
¹ Highlighted rows indicate gaps identified in 94% of standard commercial winery policies reviewed 2023–2025.
Barrel warehouse flood during harvest
A 14-acre estate winery suffered a 3-day flood event during the 2024 harvest. Standard commercial policy covered building structure only. Cellar's policy covered 847 barrels at replacement cost, harvest labor loss, and 14 months business interruption. Total claim: $2.1M. Settled in 28 days.
Total claim paid
$2.1M
Settlement
28 days
days — average claim-to-settlement in spirits transit under standard marine policy. Cellar's target: 31 days. The difference funds your next production run.
From grain to glass.
Export to cellar.
Spirits founders scaling into export markets face a policy patchwork — domestic commercial, marine transit, and foreign liability stitched together by brokers who don't specialise in excise goods. Cellar wraps the entire lifecycle in a single bespoke facility.
Distillery Loss Causes — Industry Average
Source: Cellar proprietary loss data, 2020–2025, n=412 claims
Coverage Gap Analysis — Distillery & Export
of private collectors have not had replacement values independently audited in five or more years. The market has moved. Their policy hasn't.
Avg. underinsurance gap
34%
of actual collection value
Replacement value,
not purchase price.
A 2018 Pétrus purchased at £8,000 may replace at £24,000 today. Standard policies settle at original cost. Cellar policies are underwritten at current market value, audited annually by certified fine wine valuers.
Standard
Standard rider
Cellar
Scheduled policy
Standard
Separate fine art policy
Cellar
Bespoke facility
Standard
Lloyd's placement required
Cellar
Direct Lloyd's placement
Collection Risk Map — Key Storage Locations
transit claims are underpaid at standard marine policy limits. The shortfall isn't accidental — it's structural. Cellar policies are written to close it.
In motion.
In full.
Every shipment from cellar to auction house, bonded warehouse to export market, is a policy gap in a standard commercial facility. Cellar's transit cover is built specifically for excise goods moving across borders.
Claims settled under 31 days
Avg. underpayment — standard marine
Temperature excursion coverage
Claim Settlement Comparison — By Route
Every bottle accounted for.
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Spirits Loss Benchmark Report
2025 edition — 48 pages
Industry loss rates, settlement benchmarks, and coverage gap analysis across 412 claims. Enter your details to receive the PDF.