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In the article written by Patricia-Anne Tom entitled “Wineries’ risk rise when events move beyond tastings” published last August 20, 2007, the author showed that there is an increase in the risk that wineries face as they conduct events other than wine tastings.
According to the article, there is indeed a great profit juiced out of the grapes, bottled into wine, and sold in a valuable price. As a part of their marketing strategy, the organization of wine tasting events is of great importance and also increases in frequency (Tom, 2007). Aside from this, there are other events where the wineries are involved such as weddings, tour, and catered dinners (Tom, 2007). Though the wine tasting events may be covered by several types of insurances, included among the list are the commercial general liability policy and the liquor liability policy, it may not be applicable to other events mentioned above (Tom, 2007). There are special events that have specific details and therefore, are in need of insurances other than the two stated above, which are meant for wine tasting events. The article ended with a note saying that good communication should exist between the client holding the special event and the insurance agent selling the insurance policy (Tom, 2007).
I am very much in agreement with what the author elaborated and discussed in the article “Wineries’ risk rise when events move beyond tastings.” The wineries are one of the industries today that continuously booms and does not pick any special season for it to become a top-selling product. The taste and desire of the people really pushes the wineries to incessantly produce the goods and enhance their demand through extension and visibility of their products in different events.
A popular line in the movie Spiderman goes something like this: “With great power comes great responsibility.” To rephrase a little, with the wineries’ greater capacity to reach people and conduct and join events, they also have a greater responsibility of assuring that any harm or damage done to the people and to property will be covered in its entirety. With the foregoing statement, there is a need to anticipate that there are certain kinds of accidents that may occur in such events of wineries. One can not deny this fact with the nature of accidents as being dictated by fate and no one could tell for sure when, why, how, or why it would come. Anticipation of risks posed by accidents will stimulate the need for planning. With planning comes the time to lay out the options available and the actions to be taken. Aside from the application for commercial general liability policy, liquor liability policy, and other forms of insurance policies, it is important to take safety measures and ensure that accident prevention measures are conducted before the event takes place. One should not rely solely on the insurance policies being offered by different companies for if this is the only measure taken by the winery to respond to accidents, then it might be a dangerous scene they are painting. Prevention has been proven to be far better than cure.
From the article, I was able to gain insights that there are different types of insurance available to ensure that accidents will be responded to through the insurance system. It shows that the wineries are in full realization that they have the responsibility of answering for the damages or harm that might occur due to their business. Also, I learned that different events require different safety measures for they also result to varying types and levels of risk. It is important to convey all the necessary information to an insurance agent when availing of insurance for an event. This is important for the reason that the insurance agent has the capacity to identify the right insurance policy for the event if all the necessary information is given.
Tom, P. (2007). Wineries’ risk rise when events move beyond tasting. Retrieved 28 October 2007. Wells Publishing, Inc
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