Wine & Spirits

Values for collectible wine and spirits continue to trend upward, especially for hard-to-find bottles with exceptional provenance.

Whether you purchase a “blanket” policy with an overall limit - affording you the flexibility to add and remove bottles without notifying your insurance provider each time - or a “scheduled” policy with each bottle insured separately, our policy responds to a wide range of perils.

Look to AIG Private Client Group for broad, customizable wine insurance coverage, including:

  • Worldwide coverage, including while in transit
  • No deductibles
  • Agreed values
  • Reimbursement up to an additional 50% of scheduled value
  • Loss in value coverage for partial losses
  • Immediate coverage for new acquisitions for up to 25% of the class limit if we are notified within 90 days of acquisition.  
  • Coverage for pairs and sets
  • Mechanical breakdown if wine spoils due to climate control system failure

AIG’s risk management specialists and our elite vendor network can help you preserve the value of your collection and minimize its exposure to harmful conditions. Look to us for best practices and advice on building a cellar and for service providers for appraisals, storage facilities, wine shippers, and inventory management solutions.

AIG Private Client Group is a division of the member companies of American International Group, Inc. (AIG).  Policies are underwritten by member companies of AIG, including AIG PROPERTY CASUALTY COMPANY.  This summary does not include all terms, conditions and exclusions of the policies described and any coverage is governed by actual policy language. Any coverage and supplemental services described herein may not be available in all jurisdictions, may have certain limitations and are subject to underwriting review and approval. Services provided, including by third parties, are not guaranteed by AIG Private Client Group and may be discontinued at any time.  Insurance products may be distributed through affiliated and unaffiliated entities and may be discontinued at any time.